"Unplanned" premium increases due to higher claims

So hollard has decided on "UNPLANNED" premium increases,meaning that my policies are to be increased twice this year.

The letter mentions that i should contact them if im not happy with the increase to discuss the "options" i phoned in this morning and apparently the only option i have is to decrease my cover to make premiums affordable. NO,NO,NO hollard decrease my cover amount after paying for 3year *** are u kidding me???!! No I want my premiums paid back to me so i can cancel the covers and move to another insurer. Thats an "unplanned" decision for me,hows that??

The fact that people have been claiming more than expected,is not and should not be my problem. When you decided to insure a number of people you insured you knew that came with such risk so please dont pull that BS with me and payback my premiums so i can move on.