INSURANCE TOO EXPENSIVE

My premium went up with about 22.5% in Feb'16, I have never claimed for anything through FFW and I have had this policy for about 6years, then I went onto [URL Removed] to compare quotes for the exact same insurance cover, and there is a quote from FFW that is about R380 cheaper than what I pay? Almost every single quote I received from other insurance brokers are way cheaper than FFW for exactly the same cover, and then the basic excess is way less than what you guys charge?. FFW just keeps on increasing my basic excess while increasing my premium, how is this possible. <br> <br>