high excess

<br> In March 2013 I insured my Blackberry 9320 with Edgars (Westwood Mal) in the bracket of (R3000-R5000) and was told that should my handset be ****** I would get a replacement and the excess I would pay is R150. My monthly premium at that time was R59. I was never furnished with any policy documents to date. Edgars had only scanned the back of my phone and presented me with a Edgars slip insuring that my phone was insured. Unfortunately during the month of September 2015 two of my cell phones was ******. I put my claim through to Edgars and was told that I could take a phone for the value of R 1900 but that I had to pay excess of R350. This was not part of the original agreement. My other phone a Blackberry 8520 was given value of R 1450 were I only paid R90 excess.<br> At no point did Edgars or Finrite inform me of any changes in excess. As the excess for the 8520 remained the same as when I took out the policy in 2011.<br> Finrite has increased my monthly premiums to R79 to date which I have paid.<br> I spoke to a consultant regarding this matter on the 22/10/2015 who said that they will send me a email with a response to date i have recieved no solution