You will not get away with this! I want evidence, give me the report to prove your findings!

<p>RE: ***</p> <p>You always get something out, well that’s just a fallacy and an awesome marketing gimmick by our beloved OutSurance, wait until you need something Out. So after 4 years of having a policy with no major claims, the worst happens and my car is written off but rest assured, you have insurance and have never missed a payment so this should go by smoothly but instead…<br /> After a night out and a few drinks with friends I drove home and had an unexplainable car accident, head on collision and I’m still of the opinion that the other guy was on my lane. Luckily I wasn’t badly hurt but my car was irreparable. As procedure would have its course, the assessor paid me a visit to “investigate” the incident and once done I would get details on the findings. I must say, these people are well trained and manipulative. He started with a soppy “I know that people think insurance people are the worst but we really aren’t and as a valued client we try to deliver the best service possible but the onus is on you telling the truth so that we can best assist you”, I did exactly that and then it backfired, Foolish me right.<br /> So I explained my day in detail, estimated how many drinks I might’ve had throughout the day and how I’ve driven dunk before (don’t judge me most South Africans do) but this was not the day cos I had flu and though I wasn’t counting I couldn’t have had that much alcohol as I didn’t doubt my driving capabilities that evening and I had redbull and water sometime beforehand since I was on flu meds. But anyway we work on a worst case scenario since the assessor highlights the importance of how understating might work against you. So with that recording of my declaration he leaves to go “investigate”, stating he would visit the restaurant I was coming from for video footage and check out the scene and call the people who towed the car as well as listen to my rescue call since I called in myself and apparently I sounded drunk even though I was in pain and had just walked out of a damaged car.<br /> During this time, I receive an email confirming the state of the car, and a request to authorize the receipt of my settlement quote on my behalf. Mind you, my car was only 7 months old so the settlement figure was obviously high. Shortly after that, I received a cancelation sms from Outsurance informing that my policy has been cancelled with immediate effect and no further debits will be billed. Then following that I receive a rejection for my claim then an email cancelling my policy within 30 days and my last payment being on the 26th of March. All within a couple of minutes.<br /> So I contact Outsurance requesting or an official rejection letter including a report on their findings during the investigation. This was over the phone and I still didn’t have the requested documents after a few days. So I send an email and they respond with a letter. I send another email asking for the report then I get pictures of the car, then I thank them for pictures alerting them that I know what the car looks like but I’m interested in the report that was drafted after the investigation to support their rejection but I was told that Outsurance doesn’t hire special people to re-enact accident scenes and I should direct any further questions to the disputes department. In the meantime, do I want the remains of my car delivered to a specific address or should the s****yard keep it at a daily rate of which I would be liable for…<br /> So Outsurance doesn’t pay out claims where the driver had consumed alcohol regardless of how much alcohol it was or anything of that effect which I know for a fact is not true because many people have claimed under such a condition. So now we have a battle of probabilities where they now have to prove to me that I was drunk at the time of the accident and the only thing they can provide is my inaccurate conversation with the assessor and I must just forget about substantial evidence.<br /> My question is, you have a special conditions section in the policy schedule that you send at least once a year and when there are changes in the policy, why is it that this condition is not highlighted but instead part of some lengthy document I wasn’t even aware I was in possession of. <br /> Also since you do not cover claims that are related to alcohol consumption, why do you cover people who consume alcohol?<br /> You ask a long list of tedious questions when a person takes your policy, “do you drink”, “do you smoke”, “how old are you”, “where do you live”… typical questions that determine your risk factor and monthly premium, why is drinking part of your risk assessment if it is something you do not cover? Contradictory much! This is a clear indication that you’re just out to get people’s money and when it’s their turn to get something out you hide behind clauses that don’t make sense. Where is the blood sample to prove that I was drunk, where’s the police report from the accident, statements from paramedics etc, was there even an investigation done??? Is that why I couldn’t get a report? Would the outcome have been different if I had **** and only stated the redbull and water consumed on the day? Why is there no civil case against me since drinking and driving is *******?<br /> This is a typical case of “‪#‎TheSystemVSThePeople‬”, who defends the average citizen? While insurance companies are well known for such behaviour what is being done about it? In a country that is labelled “world’s worst drunk driving country” why do insurance companies continue to cash in on these policy holders?</p> <p>Outsurance, rather say "we rather get something in and let you suffer after we've taken your money, and enrich ourselves" and not "you always get something out".</p> <p> </p>