Illogical extreme excesses that DO NOT make sense

I have never had any vehicle accident claims in my entire life and have been driving since I was 19. I am now 33 years old, turning 34 in December. That is nearly 15 years of no vehicle accident damage claims. I switched to iWyze in June this year.

Had a small accident in October this year whereas I drove into a spade in my garage. The grill was slightly damaged, the aircon and radiator also sustained minor damage. The estimated damage on the vehicle is around R19 500.00

I have a basic excess of R4500.00 which I am fine with. Then there is another excess of R4500.00 because I am claiming within the 1st 6 months of my policy inception date, I am not happy with that, but I still get that. But the shocker is that because there were no other vehicles involved, I get slapped with another excess of R4500.00!!! That brings the total to R13 500.00 that I have to pay in on a claim of R19 500.00. Basically, what I am being told is that if my car gets damaged and no other vehicle is involved, I better go and drive into someone else's car and then pay R4500.00 less! It makes no logical sense!

What do I have insurance for then? To get slapped with excess on excess on excess??? At this point I will be better off getting my car repaired myself rather than using the insurance. I will be able to source the parts cheaper and then only paying labour and it will be less than the R13 500.00 excess.

I do not understand the logic behind the last excess, honestly I don't.

I will be looking to move my insurance asap.