outsurance doesnt tell you what your access is. when i claimed for my windsceen they told me to pay an access amount that was 90% of the full cost of the replacement of the windscreen. when i asked to talk to the manager, the manager told me to fix the car with my own money. they service was bad i was transfered from one person to the other and the managers are not professional. the was told to find someone who want to listen to my issues but not someone from outsurance. i would not advice anyone to deal with outsurance or have a cover with them. im going to move both my car insurance and my life insurance to an insurance company that want to help its claints and that does not hide information from they claints