Hollards need to communicate!

I am extremely upset, not once has it been communicated with me that I had to call in to decrease the value of my phone - I have been paying insurance for the value of R20 000, only to get told today, that I over insured and have been paying FOR MONTHS a premium that is supposed to be covering me for R20 000 - every where on the document it advises "for the sum insured". Can someone please explain this to me?

Secondly, I have given them my new contactable number 3 or 4 times, yet they still try and contact me on the number that was ******. I have had to call in so many times today just to ask for feedback!