I’m the kind of guy that carefully evaluates things before signing up. When I bought my first car, I checked out the various insurance options. It came down to a choice between Dial Direct and Outsurance and they seem to offer very similar value adds. The Dial Direct premium was cheaper, so I went with them.
When I bought a second car, I obtained a quote from Dial Direct and was happy with their quote so I insured my second car with them. Two months later, they increased the premium on the second car by 20%. I was always under the impression that a quote on premiums was for 12 months, so I asked them what the story was. They said that because the car was added to my previous policy, all premiums are adjusted on the anniversary of the policy.
This made me very unhappy, so I waited six months until they paid me my Bucks Back Bonus (25% of my premiums of the last 4 years) and then I moved my insurance over to Outsurance. Luckily Outsurance also offered me a much better premium, so that was a bonus because I was moving anyway, on principle.
I didn’t have any accidents while I was with Dial Direct, so I never had the chance to test their claims department. Unfortunately though, someone drove into me in the traffic yesterday morning so I am going to be testing the claims department of Outsurance.
So far they have been very efficient. I phoned them yesterday and they took down the details of the accident on the phone and sent me a text message with my claim number and contact person. Then they made an appointment at the assessing panel beaters for this morning and sent me a text message with the panel beater’s address and contact details, along with the time and date of the appointment. I also received a third sms reminding me of the details which they still required from me (a description and sketch of the accident and a copy of my driver’s licence, as well as the police case number).
I have now had the damage assessed (at Stingray Panel Beaters in Woodstock – they appear to be quite jacked) and I have reported the accident to the police and have submitted all outstanding details to my claim advisor. Let’s see how things go from here.
UPDATE (January 2014): I didn’t have any hassles with Outsurance but I switched to Discovery because they were cheaper and had some additional benefits.