Annual review

I would like to express my disappointment with Budget when they calculate annual reviews. It has been the 3rd consecutive year where my combined vehicle/home insurance has increased by approximately 25% annually. Inflation is around 6% and with the increased interest rates, Budget insurance do not show any mercy even though i had no vehicle claims in the past 18 years and i have been expressing my concern to them every year. Also, my geyser excess has been increased by 70%. This excess almost equates to the cost of a geyser. Seriously considering to change my insurer.