Discovery Premiums Increases are Extremely Unfair and Drastically High at Renewal

I have had Discovery Insure for the last 2 years on my VW Polo. Premiums are ridiculously high but I have paid this for the last 2 years. My policy renewal is coming up in August and I received a letter to state that my premiums will be increasing by R300. I have had no previous claims and I am often rewarded for good driving. How can your premiums increase significantly if you donot claim or if you are a good driver?

Furthermore, Discovery have wavered a fee on Vehicle Recovery since inception. But every renewal their systems adds it back on which I have been told was a bug on the system. Last year I spent several calls back and fourth trying to get this rectified. I would assume that after one year, this bug would be resolved. Again this year, My renewal letter shows that this fee has now been added on again which contributes to the reason my premium has increased so drastically. As a loyal client with Discovery Health, Vitality, Life and Insure, I honestly expect to be treated fairly and to have a hassle free renewal and not have to worry about a fee added each year which requires me to phoning in and explaining the whole story and to request a correction. This is time consuming. I am also not happy that premiums increase by R300 when I donot claim or when I drive good which is monitored on your DQ Tracking device. What is the purpose of driving well and for driving behavior to be monitored if this data is not used to establish premiums.