Outsurance
Wants me to pay first! Then increases premiums!

My car keys was on the 2 March 2013. Outsurance - claim 94712374. The outsurance agent - Jathin Mathura said that I should get a quote for the car (MB ml350) from mercedes to replace keys and locks. I did this and sent the quote to Jathin. I was told that I need to pay mercedes first (R12400) and that I would be given 3 months to do so and would then be reimbirsed by outsurance less my excess. I asked where was I supossed to get the money and then asked what is the point of insurance if I has to pay the amount in full first. Then told that this is the way outsurance works. I explained this is also a risk to outsurance as that my key could come to my house and my car. More, 3 months have already passed and I don't have money to pay mercedes first and then claim from outsurance. I find this unfair and unacceptable to say the least. Now i see that i have received a letter from Outsurance saying that my premium has been increased from R726.63 to R908.30.
Policy says inflation adjustment is 7%, why i get increase 20%? No previous car claims. Only done 4000km in last 10 months. No other risk factors changed. Vehicle market value has dropped.
Why Outsurance

Company: Outsurance
Country: South Africa
City: Nationwide

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