Discovery is cold once you claim!

I've been insured with Discovery since April 2019. I had zero excess and my premiums were kept at reasonable amount. In December 2020 my vehicle was unfortunately ****** (with the discovery tracker inside). I then purchased a new vehicle and they introduced an excess to my policy, understandably so.

However since then, my premiums have been increasing at an unacceptable rate especially considering that the risk profile of my current vehicle is lower than that which was ******. Discovery is punishing me for an incident which I had no control over; I was not negligent (I still have both keys for the vehicle that was ******), I had never claimed before or been in an accident whatsoever, what else could I have done to avoid ******* *****ing my car?

I called Discovery pleading with them to consider not raising my premium but I was met with coldness and there was just no willingness to try and understand my case. I have never missed a premium or been late with payments. Why am I being punished? what else could I have done? At this rate I might as well purchase a second vehicle as insurance instead of being exploited by Discovery.