breach of contract

breach of contract. Our last contract with Gl insurance stated that premium will be R1950.00 (no excess, loss of income included 500 per day), our quantum was recently in a accident and we are now advised that our contracts have changed we are now liable to pay 4k excess and our loss of income is now 400 per day, please bare in mind no communication was sent to me or my father regarding these changes and now our Quantum is stuck in kya sands panel beaters they waiting for excess money, yesterday we been trying to get hold of Griffen and he never return our calls...