Dishonest insurer!

I've called in twice already to have my premium decreased which is always refused despite a lot of positive factor e.g being accident free last 3years , not missing a premium but what irritates me more is each time after being denied a lower premium i always find that the consultants always change my cover without informing me during the call. They increase the excess , remove certain details and decrease my vehicle hire days without informing me. I only see this days later when I get a chance to go through my policy documents. This is insanely wrong! Most definitely shopping around.