Unfair Claim Rejected

Good day,

To whom it may concern. Policy no: OT***, Claim no: ***

Am the insured with Outsurance Insurance company;who now like the office of the Ombudsman to intervene in my matter easons being we know the office of the ombudsman to be impartial nor prejudicial about such matters. I was insured with Outsurance from: 22 September 2023, to 16 August 2024, from inception of the I never had a broker nor insurance advisor who explained to me about the working of the insurance policy. Being a novice in the short insurance;my priority was to be covered/insured I had no intention of manipulating the systems;other than being insured or covered. The critical point am making is if I was well advised by the broker/insured advisor at inception of the policy working/cover of the policy about the exclusion and exception this could have been averted.

Non disclosure and misrepresentation:- as a repudiation according could have be averted should the advisor nor broker advised Us from inception of the policy.

2.Being a loyal a client the insured could have app**** Ex-gratia payment. Or alternatively they could have app**** Additional excess basis: Additional driver excess.

3.Title: Underwriting factors. Could have been considered underwriting factors such as:- Which affect premium and clearly justify beyond premium prejudice reasonable doubt; such as 1.Age of regular driver V/s Michelle. L 2.Driver's license. 3.Risk address. 4.Vehicle parked in a locked garage.

4.Sadly when the claim was initially lodge I was given the impression that is going to be entertained....the assessor...who then put my vehicle for auction at the panel beaters without me knowing this gives me the suspicion they were looking for every reason to repudiate my claim. Our pointers are: 1.am a Novice in this field. 2.was not advised by a broker nor insurance advisor about the do's and don't. 3.i was not manipulating the system. 4. Sadly when the claim was initially lodged I was given the impression that is going to be entertained. 5.The assessors without me knowing put my vehicle for auction.. which gives me the reasons to suspect that they were looking for every reason to repudiate my claim.