Unfair consumer Treatment : Exploitation

I have my paid up car, house and contents insured with discovery since 2018. I paid +/-R1 900 for everything last year until November 2020. R2124 was deducted from my account by discovery on December 2020.The consultant advised me that for January 2021, an amount of +/-R2300 will be deducted from my account. That will be a R300 increase. I cannot accept it, it's a lot. I didnt drive my car since March 2020 until the end of the year because of the national Lockdown. I was working from home. I have not claimed in 2 years. This is an anfair consumer treatment. I feel like I am being exploited