False marketing and unwarranted premium increase

My first annual review with the company encountered different operating procedures where you have to call in to have your policy reviewed failing which, irrespective of your claims history being NIL, you are slapped with a R800 increase. How is this increase justified when in the case of a vehicle it depreciates constantly! After I called to cancel my policy I was advised of this procedure and my premiums where reduced to the original amount. Service from Zahier Abdul was excellent - explained procedure, checked everything that I needed verified and app**** changes and reinstatement of original premium. Another issue I have found with this Insurer was incorrect marketing - you cannot manage your entire policy via their App ( you cannot change insured items nor cancel though these options are available in App. - this was a personal experience where change was not effected.) and you only get a Guardian Angel if one is available ( I had an incident a few months ago and I called for a towing service and Guardian Angel and I was advised no.one was available in the area I was stuck and also advised that the police station in the area was uncontactable). Be fully aware of actual benefits verses marketing when choosing your Insurer!