Lack of integrity

I took insurance with iwyze...I have insured my 2 cars worth over R500 000.00 each and on inception my excess was R3000.00. Last year we had a claim on one of the cars, I was then told that I need to pay R12 000.00 for my excess because my car cost more the R5000 000.00. I then decided to leave and get new insurance suitable for my interest. I left them last year in September and this year in August they debited my account saying I owe them for October 2021...Is that how insurance is supposed to work? Change excess amount when they feel like it? I cannot deal with ****** and bullies. IWYZe please leave my account alone and focus on getting clients that are careless of their monies and assets. I owe you nothing and you will still lose customers because of your poor value proposition and lack of integrity to your clients.