Unhappy customer

I lodged a claim on 20 January 2025 after I had an accident .The claim number is *** .I am not happy that terms of my original policy were changed without proper communication with me .This I found out when they approved my claim but I had to come up with two excess fees both are R7500 ,they are non recoverable claims and claim under the motor section .This is new to me ,I had claimed before without similar conditions. What Id o not understand is why if there were major changes to my policy I was not notified properly The approved claim means I will pay more than them since they only pay R11692.85 while I am expected to pay R15000 excess ,the numbers are crazy .This means I will be paying myself to have my car fixed this defeats the purpose of having insurance. If anyone wishes to take up insurance with Hollard Insurance they must be prepared to deal with these issues I am not satisfied with the manner in which they handled my case.