OUTSURANCE CLIENT FOR 2 DECADES GETS ONLY R20 PREMIUM DECREASE
My retired Mother has used OUTsurance from the day she bought her house around 1998 (Bond Fully Paid now) took very good care of it and has had ZERO CLAIMS in the 20+ years.. 
3 year's ago she bought herself a newer vehicle and also added it onto OUTsurance which they somehow convinced us increased her OUTbonus etc etc. 

She recently had a claim incident which I personally decided to cancel as We could not wait for the entire process after putting the claim as it's holidays and needed the vehicle fit for the road. I personally forked the money repaired the minor suspension damage(pothole) and Moved on. 

This review has nothing to do with the claim, but just gives greater perspective to my encounter. While on the phone cancelling the claim, I asked for a Premium review - To which I got transferred to a different department. 

Very helpful gentleman by the name of Marlin assisted me and the best premium review they could offer was a R23.57 decrease ?? 

So for a pensioner with no previous premium reviews, a house policy for 24 years and added a 2014 model vehicle the best they could do is adjust it by R20

NO CLAIM HISTORY
NO PRIOR PREMIUM REVIEWS
NO PREVIOUS PAYMENTS DEFAULTS
- R23 is the value they've put on that client.

Take this info and use it going forward - It might be you 20 years later receiving R15.