Iwyze insurance.

I joined insurance for the past 5 years back and there was no problems. I received my policy schedule. Every year I received a communication that they are going to increase installment. Immediately I phone them and asked why are you increasing the installment because the value of my car is decreasing then we negotiate for the installment there and there I asked all my benefits to remain the same including my excess . Then we come to agreement. 3 weeks back I had a small accident were I hit the rock on the road. I called in to log a claim. All of asaden Iwyze consultant calls me and said my claim worths R5000. I said it's fine knowing that my excess is R3000. She further continue saying I have extra excess of R4700. I asked what is that for? She continue saying is for discount when you asked for discount on yearly basis we increased your excess. Bathong I was so shocked. I explain to her no body explained to me regarding the extra excess. I requested her to to and listen our telephone conversations with the person I was engaged with. Sine then I do not receive any feedback from Iwyze. When I call they keep on telling me that my claim has been referred to the supervisor and they will come back to me before end of business day. No one is coming back to me. I tried to get quotation from other insurance company because I do not know where I am standing with Iwyze because anything can happen any day with my car. Iwyze put a red sign that makes me not to able to take any insurancec