Terrible Service

I am so disappointed with FFW. I changed my address today only to be told that my premium is increasing with R500 because I supposedly am now in a high risk area when I am living in a small town with next to no crime having moved from a large city. How is this a high risk???? The insured vehicle is fitted with a tracker and alarm and is parked in a locked garage at night as it has always been. In addition, I have to pay the surcharge now when my insurance has already been fully paid for the month. I expressly told the consultant that I will not be able to pay the surcharge now, only to receive the updated policy document stating that the additional charge will be taken next week. This is absolutely appalling and I am disgusted with this. We are living in hard economic times and I do not need my insurance to penalize me for something I did not budget for. I am extremely worried now as I am not sure if this now means that I have no cover. Really if this is the case, I am sure there are other insurance companies with better service that will welcome me as a client.