Outsurance's inflated premiums

The underwriters at outsurance must be intoxicated with the absurdly high premiums that they quote. I called in today for a quote and after completing the questionnaire with the rep I was quoted a premium which was 3 times more than what I currently am paying. Now I can understand that outsurance is a leader in customer experience and the general insurance industry of South Africa though with their absurdly high premiums I would compromise on the customer experience and the branding because as much as those factors are important in South Africa we live in a country where the cost of living is already is so difficult for average consumers to manage by the last thing we need is absurdly high insurance premiums with not much gain for the consumer in terms of benefits. To give you more context on this my premiums with outsurance if I joined would of amounted to about 33% of the assets value over a 12 month period where as I can get almost the very same thing with my current insurer and the value of the premiums over 12months would work out to 14% of the assets value