I signed up for Oakhurst car insurance based on quotes provided to me by call centre consultants which seemed to be the competitive best of the insurance agencies I asked for quotes from. The first policy I went for was explained as having a fixed excess. However when the underwriter was contracting with me over the phone, this came out as actually being a percentage based excess. I therefore stopped the process. The consultant then got in touch & made a policy adjustment to what he called a zero excess with a higher premium. I was again happy with that and went ahead with the underwriting. The underwriter also explained it as a zero excess (apart from windscreen & radio) which I was happy with, so cover was confirmed & we contracted telephonically. Only the next day were finer details were explained & I realised that the zero excess only applied to claims over R5000, leaving me uncovered to all claims below this. Needless to say this is unacceptable.
My advice is to ensure you get complete clarity on these excess structures, as their fixed excess policies have the highest premiums of all companies I contacted. At least it was easy to cancel the policy though, if a bit of admin.