MAKE ME UNDERSTAND SO THAT I CAN DECIDE WHETHER I AM STAYING WITH KING PRICE OR I AM LEAVING

I spoke to the representative, and she mentioned that the R27,500 excess fee is covered in a way that I don't have to pay it directly. However, I didn't understand the explanation because it's not clearly outlined in my policy documents. Could you please clarify how this works? Additionally, I'm finding it challenging to understand why my monthly premiums are high for my Hyundai Grand i10, given that I'm a new driver