Not Happy Paying Claims

I really don’t get it when your insurance makes you feel like they are doing you a favour paying out your claim. This guy from King Price calls me and tell me that they are increasing my access by R5000. I then asked him why h told me its only on your bike so its not too bad and it will only be applicable when you claim i said that what access is it applies when you claim. He said its because of my previous claims but those claims are almost two years old i have not claimed for almost two years and you put an endor*****t on my policy if they have done that then I would understand but i have been claim free for almost two years and you hit me with an massive blow. He told me that they just guiding me not to make any accident, i then told him to stop it right there, its called an accident for a reason how can you be guided not to be involved on an accident. He told me that King Price looked at return on investment ratio and my policy is at 200% loss but why get in the business of insurance if you don’t want to be paying out for claims. I have been with King Price almost 4 years if not more and i have never claimed for my car but now when i claim I'm costing them money, please be aware we insure out assets because we know the is a risk if there was no risk we would not insure them. They really torment you while you still dealing with the pain of your accident its never a smooth process, on top of that they got back their money as the guy who bumped me from the back was driving a Municipality vehicle and they paid me back my access fee which means they got their money so i really don't know why they would just wake up impose am endor*****t on my policy after not claiming for almost two years 😡😡😡😡