Very bad service and almost a month with no kitchen
Let me make this clear, I have never claimed from my insurance before in all these years, and the service I received from Outsurance was really really bad. It started with a roof leak overnight during a storm that ruined ceiling and some kitchen cupboards. Outsurance said its a maintenance issue ,which it clearly wasn't as it never leaked before and only did after we had an intruder run over our roof. The payed out an amount eventually. 

Now we removed the cupboards (a week and a few days later) and everything was under water because a pipe burst inside the wall between the kitchen and the bathroom. We urgently made a call to Outsurance but they left us without help for 4 days. We could use the water as it flooded the kitchen floor (I have photo proof). We had to clean baby bottles in buckets. We called Outsurance numerous times asking to attend to the issue but it took forever. There was damage to cupboards and the bathroom tiles, but Outsurnace told me they will only fix grouting and 1 square meter of tiles. I now realize after another professional inspection this is totally false and all my tiles need to be replaced on that wall. It is hollow and moudy. Outsurance blatantly manipulated us. They paid me just over R2000 for all the tile problems!

Eventually the plumber fixed the issue and left a massive hole in the wall. The cupboard installers were at this point agitated as they wanted to complete the project, but Outsurance took no notice of time. After a week of US calling Outsurance numerous times they sent a guy that said the bathroom tiles are faulty, we need new tiles in the kitchen flor and the hole needs to be covered. He never called me back as promised. 

I decided to get someone to cover the hole myself as this process is now nearing a WHOLE MONTH! Outsurance did half work and under paid for problems. The cupboard installers could eventually start because I got it fixed, not Outsurance. I called Outsurance so many times and their feedback varied by caller and intent. The moment they wanted to discuss how I will pay them they nagged me. 

To this moment our house is in absolute chaos. Our kitchen is non-existent and because we made a plan the process only started. Outsurance took my money for years and showered me with lies, deceit, no and slow response, very bad feedback and little pity with inconvenient payments. We are so sick of this situation, we have two kids to take care. Please think twice before joining Outsurance. You get what you pay for.