Paying Insurance for Nothing

I have been with Dial Direct for many years. In 2014 I was unhappy about the increase in premiums, and was told that I could put all my portable possessions from specified to unspecified. I followed Dial directs advice and did that. That mean I had R33 000 unspecified, and was told I have to specify my phone. (all my items were specified before then). I have just moved premises and simply instructed Dial Direct to change my Risk address. They proceeded to double my insurance, stating its a higher risk address, (now in a 24 security building as opposed to a ground floor flat with no alarm. They then simply removed all my unspecified possessions which Dial Direct have increased in value to now been R43 000.00 . When I phoned and complained I was told they would rectify it. I was then informed that my unspecified possessions were actually not insured for their replacement value but only less than R5500, per item. This is after I have been paying for this since 2014, and they increased it yearly. So for the last few years I have been paying for possessions that actually were not insured. I am extremely unhappy with Dial Direct and the fact they they increased these premiums yearly under false pretenses. Dial Direct needs to come to the party or loose a client of 7 years.