Discovery Insurance dishonest business practices

So I insured my car with Discovery Insure, just over 2 years ago, this after Discovery enticed me to drop my then insurance with a very reputable insurer that I am not going to name coz of the embarrassment I have now experienced with Discovery. I regret moving over to Discovery. I over trusted Discovery hoping that they would be fair and honest but my experience is totally different now. Discovery has just increased my premium by 16% with no incident at all. When I enquired firstly with Asanda, at Fgro Customer Care Services of Discovery at 14:00 on 04 July 2024, she never came back to me. Then I followed up with Nomvula at 16:30 on 24 July 2024 and she apologised and promised to get this rectified and gave me this reference number: 45T85U2. I asked Nomvula why an increase of 16% which is way more than twice the inflation rate would be justified by any chance I was told that this is because I had claimed for a windscreen stone chip repair in February of this year. But in February I was told by Discovery that incidents of this sort, stone chip repair on the windscreen, which are minuscule and done for less than R700 at Tiger Wheel and Tyre do not affect one’s no claim bonus. I made sure that this was the explanation received from Discovery before I went ahead because I could very easily afford and pay for my own stone chip repair and maintain my no claim bonus - the amount charged by Tiger Wheel is a small amount to cause any upset on one’s no claim history! But Discovery confirmed with me that I shouldn’t worry at all as that would definitely not affect my no claim history. Fast forward to July 2024 and I get a surprise 16% increase on my premium when on the other hand I have not claimed anything, my risk profile has even gotten better with age and other factors and besides, the inflation rate right now in Mzansi cannot justify any such ridiculous increases by an insurance company worth its salt. Eventually I was put through to Wendy (***) who, after analysing the lies conveyed by Discovery with the windscreen stone chip no-claim bonus story and the facts presented she managed to get me a 5% reduction on the premium. Very disingenuous this! Firstly, Discovery ups my premium by 16% basing it on null and invalid explanation and when confronted with facts they only manage to reduce the premium by 5% meaning the net effect is about 11% increase, which is still unjustified and way more than the inflationary impact. This is dishonest business dealing, unfair industry practice and quite frankly destroys the high level of trust that we have once associated with such seemingly big brands like Discovery. Very disappointed with Discovery Insurance.