Made up claim pay outs, poor customer service, and unwarranted premium increases from Discovery Insure

I have tried calling your Claims and Admin Departments on several occasions over the past week, they keeping sending me around in circles, not taking accountability and ultimately wasting my time.

1. I have received correspondence which falsely states that I have claimed twice in January and June 2020. On both cases Discovery claims to have paid out R3,737.50. In my 5 years of being insured with Discovery I have never claimed once ( with exception of windscreen chip repairs which as i understand are not part of the primary cover and cost nowhere near R3,700). No repair work has been done to my car and I have never paid any excess. The Admin and Claims Department are unable to tell me what the claims are for, they keep sending me around in circles.

2. I do not understand why my premium is increasing. Is it based on the false information that I have had two claims this year?If that is not the case, as I have stated, I have never had a claim on my cars in the five years that I have been with Discovery. On top of that , my premium should actually decrease now.

a. I am recently employed and no longer a student, therefore my risk should be lower.

b. I have just been married which should further reduce my risk.

c. I have more driving history and have been driving for longer incident free.

All in all I pay about R5,500 (R3,300 for discovery Insure+R2,200Medical Aid) per month. I am very unhappy with the service I have received thus far, and it has made me wonder if I should not just cancel my policies and shop for more affordable medical aid and insurance companies which actually reward their clients accordingly.