Unfair treatment and overcharged at affinity insurance

Good day I was involved in an accident on the 3rd of March 2018 where it only affected my driver side Front bumper dent.. the claim amount is 13821.80 and now affinity wants me to pay an excess of 10751.00 and they will cover the 2701.00 cost..on the document they say I pay the basic access and the additional excess because I have a c1 drivers license not a code 08..I do not understand this because I clearly stated to them and the broker every details and I’m surprised I have to pay 3000 additional fee for my license..affinity did not tell me that when I app**** they only told me that my excess fee would only be 5000 now I’m suprised when they use a percentage..I’m seeking a legal route to clarify this problem because I cannot pay such a high excess fee only for them to pay a minimum amount for the claim