I used to be at Santam and now I'm at Hollard. Can't complain about any of them, but in both cases, it is done through a broker. Pretty much everything that Matt said stands.
As for Outsurance... The older you are, the better they are for you. At this stage, they're still quoting me about double what I'm paying right now. I've also heard that they sometimes like finding technicalities to not pay out which is where the broker is useful. I've had a stolen laptop once where the insurance company didn't want to pay out and after the broker intervened, they finally paid out.






