King Price ridiculous increase in excess fee with premium increase

I was a happy client with King Price insurance, up until a few days ago when I got ****** and my Huawei P40 lite was taken from me. That is where my nightmare started. Last year in August, I received an email that my premium will be increased from R149 to R228.37 for a Huawei P40 lite which was insured for R5500. I disputed until it was reduced to R192 (insured value R5200). I agreed to it even though I felt it was unfair.

This was my second phone that I insured with King Price, the first was Huawei P40 lite dual sim (R6500) with R500 excess fee, then it started switching itself on and off (in 2021). I claimed with insurance, they said they are not able to fix it and they will send me a new phone. Their supplier sent me a phone that looked like it was second hand and it was a one sim phone after paying the R500 excess. I sent the phone back because my phone was a dual sim, after a few emails with the supplier and King Price, I finally got a Huawei P40 lite dual sim which was R5500. I insured it again with King Price for R149 with R500 excess. Then they increased the premiums and probably forgot to tell me they increased the excess from R500 to R1250.

So currently my phone is insured with R5200, my premiums are R192 and my excess is R1250, I feel the excess is ridiculous, considering they also increased the premium also and decreased my insured value with R300. Right now I can't submit all the paperwork because they want a last usage documents (handset management). Both my service providers (MTN and Telkom) say they only give that to customers who have contracts with them. So it seems like claiming will be an impossible task. I'm glad I'm now aware of this ridiculous excess, at least I can stop recommending this insurance to other people and they end up being surprised just like me.