Outsurance when it's time to claim

Hi Peeps please be aware of Outsurance. The grass is not as green as they make out it is.

On the 9th June one very cold evening my self and my husband and two girls were involved in a vehicle collision. We were unfortunately rear ended from behind causing a large amount of damage to our vehicle including the other party vehicle.

We did not have insurance at the time but the vehicle which rear ended us did. The owner of the other vehicle was very kind and re assured us that he was insured through Outsurance who guaranteed him that he had cover for this type of incident.

A claim number was provide and all parties submitted there documents, a few days later the claims were rejected due to some issue with the other parties vehicle. This information could however not be shared with us and we were told to claim directly from the other party.

Upon further investigation it be came aware that Outsurance does not like to assist with third party claims leaving me to ask the question who should I insure my self through for the future as I do not wanna be in the situation where God forbid I'm in an accident and in the wrong and can possibly not cover expenses as In todays times who just has extra capital lying around.

Make sure if you pay insurance and you do so for many years that you check in with your insurance at least once a year so that you don't get caught when it's time to claim, as the other party has apparently been with Outsurance for quite some time, to only be told he is covered but unfortunately did not enjoy cover for the specific incident.