Withoutsurance - Stay away - They will not help you and make you pay hefty premiums that equal the claim amount. Very disappointing!

I've been an Outsurance customer for the past 15 years and I've paid R138 000 in premiums, only claimed once 11 years ago and never since. With Eskom turning the voltage down in residential households to save power customers appliances are prone to be damaged not through power surges, purely from low voltages. I do have a surge protection in my house so this was not a surge claim. My washing machine packed up from this issue. Reported it to Outsurance who advised I pay them R4800 excess to replace a R5000 appliance and lose my out-bonus so in total I would be paying R5770 for a R5000 claim. They also advised I would have to wait 5-7 working days and I was required to send them pictures of the appliance from all angles, serial numbers, model numbers etc. It wasn't worth the claim as I would essentially be paying the entire claim from my own pocket. I have since replaced thew appliance myself and cancelled my contents cover with Outsurance who are no longer receiving my business. I spent over an hour on the phone with their retention team who were merciless in assisting me as a more than decade + long loyal customer. I appeal to all Outsurance customers to be aware of this service you will get from Outsurance. You will find out when you claim Outsurance will not help you, they will ask you for an excess that is equal to or more the replacement value of the clam. I have shared my experience with my family colleagues, and friends who are Outsurance customers as well and they are all reviewing how this affects them and switching their cover to more helpful empathetic providers. I appeal to everyone to be very careful and consider that Outsurance will make you pay huge excesses when you claim, don't be a fool like I did, paying R138 000 in premiums all these years and having nothing to show for it. Very disappointing service and experience, I will continue to share my experience and makw more people people aware that Outsurance do not have your back. Their adds on TV are pure marketing fantasy bling, don't be fooled, stay away form Outsurance!