Auto& general,a no,no

Have a no EXCESS ON MY CAR(YOUNG AT HEART POLICY)from these guys.On the 15th of this month at around 04:00 i was on my way home from the airport.Noticed on the pedestrian bridge next to the airport,opposite the informal settlement,guys/people were standing on the sidewalk.Bricks were lying on the road,and trying to avoid the bricks on my driving lane,swerve to avoid it,just to hit the other bricks which was lying on the other incoming lane.One of the bricks hit the undercarriage of my car,damaging and tearing the plastic cover underneath my car.These guys response to my claim was,although no basic excess,there is an excess penalty of R2200.00 FOR DRIVING AT NIGHT???So,people 50 and over,beware, you are being discriminated because of your age,and because you are driving at night-time or early morning for that matter.This really are the pits.Rather do away with this "young at heart,no excess policy" it sucks.