Treated unfairly, refusing to pay and overcharged premiums by Indwe Risk Services

Indwe Risk Services is refusing to firstly pay for my polo vivo aircon which was damaged by a stone having gone through radiator/condenser on the front bumper of the car, while driving on the road. They are indicating that the damage is not an accident. The question is what do they define as an accident. I cannot while driving on the road anticipate that stones will damage the aircon or any part of my car for that matter. This is unfair as i have a comprehensive insurance with them, and the damage should not be defined as wear and tear, its an accident.

Secondly, Indwe Risk is refusing to adjust the premiums of my Polo vivo and BMW 3series to their current market value. They claim that parts are expensive. How is this possible that i still pay the same amount and more for my insurance for years, even though the cars depreciate yearly. This must be fixed. I complained to the Indwe Risk Branch Manager polokwane (Rina Coetzee) - she did not care to respond to my concerns except reducing my premium by R20 and increasing it by R200 claiming that parts are expensive. This is a daylight ******* by Indwe Risk, and the main Indwe Risk/Santam must intervene on the matter.