Basically, I am venting, and what better forum to vent than on my personal blog with its tens of thousands of visits?
Outsurance is so confident that it can offer you the cheapest premium around that it to give R400 to anyone who doesn't receive a cheaper quote from Outsurance.
Their text is as follows:
We are prepared to pay anybody R400 cash if we are unable to beat his/her current car insurancepremium when quoted on a like-for-like basis. It’s quite simple, if our quote on your car is more expensive than what you’re currently paying and you decide not to switch your insurance to us, you get cash. If we are cheaper, you get cash through your monthly savings with us. It’s a win-win situation for anyone that is not already an OUTsurance client.
The important bit is this: "if our quote on your car is more expensive than what you're currently paying and you decide not to switch your insurance to us, you get cash."
When I phoned Outsurance to get a quote on my car, I was given a price of R50 more per month than my current premium with their competitor, and told them I had a comparative quote from King Price Insurance for R300 cheaper per month. I genuinely could not understand the difference and asked the call centre agent - Julian - to help me get a lower premium.
Julian was adamant that I should not consider King Price. He threw arguments at me about how King Price is an unknown entity because I've never had a policy with them before and they are new upstarts and so on. I responded by saying I've never had a policy with Outsurance either so they're also an unknown entity for me and if Outsurance is - by his reasoning - so spectacular now then it must be remembered that they also had humble beginnings so I could not ignore King Price possibly growing into the same perceived league domination as Outsurance has today. I then said if Outsurance can't beat my current premium, I want the cash.
Julian simply refused to pay out, saying I had obtained a quote last year so I can't qualify for it again. I pointed out last time the quote was around five Rand cheaper so I didn't move across to Outsurance because it wasn't worth the admin and pain. Julian insisted I don't qualify again, and I said I have never qualified before - am I now being penalised because a few months ago I chose to not move across to Outsurance so I am disqualified now from getting the payout?
After a long and draining argument with Julian growing incredibly rude and cocky, I spoke to his call centre manager (Karl) and obtained some explanation that the last quote was received within the past 186 days (six months) which disqualifies me from getting a payout.
I don't understand how that's possible since I have never qualified before but there you have it - if you have ever received a quote from Outsurance up to six months prior - regardless of whether it was more or less - you cannot qualify for the R400 payout.
I wonder if I get my wife to phone in whether it will still reflect on their system...