Exorbitant Premium Increases

I have been with Discovery Insure from 2012 and every year, without fail, they come up with exorbitant premium increases which you have to fight to get reduced. This year they increased my motor vehicle premiums by 23%, although claim free for the year, on \engaged""; remove their tracking device; etc; which they take advantage of. On top of this I have the full suite of their products - medical aid; investments; life cover;etc. I thought this would count for something!<br> <br> When questioned about the increases the standard response is that it is based on your risk profile and industry increases. Does anybody know if they are compelled to give the exact reasons for the increases or can they do as they please?<br> <br> Discovery is big on gimmicks but short on product and service delivery and make super profits - as they say \""buy their shares not their products!\""<br> <br> """