bad premium review

For the first time in 9 years of being a happy customer at MiWay I`m disappointed by how my annual review was handled, My premium increased from R1241.68 to R1981.35 which is a whooping R739.67 increase with additional R500 increase on excess, as usual I called to get annual review on my policy as my assets depreciates & shouldn`t be over insured by paying higher premiums while replacement costs is less, the consultant/advisor who helped me tried to review the policy & I was not happy because I still got R351.71 increase & was told they cannot do anything further, I engaged with consultant to indicate that I cannot afford to have premiums increasing annually by that amount while the same insurer was willing to pay off replacement costs of my assets at a higher amount 9 years ago, why when the value of the car is less a consultant is expecting me to pay higher insurance premium which I did not even pay while the car was financed & now its 10 years old. in the last 9 years I only had R11500 claim on May 2023 of which I paid R4800 excess & on the case where the other party is at fault & MiWay legal team indicated that they will handle issues of recovering costs & reimburse my excess, the insurer cannot use such claim case to justify inflated premium increase while I as their client I am not at fault & costs are recoverable from 2nd party`s insurer, I would understand that if I`m at fault & insurer paid a hefty amount of cash for repairs/replacement/settlement, for insurer to pay recoverable R6700 after 9 years on client claim to justify it by R739 monthly premium increase is a total no no, I`m hugely impacted financially by this & MiWay has been one place which I trusted with my assests but I have no choice to start shopping around, I lived a bragging live to all insurance calls by simply saying I`m well taken care of & have best premiums in the industry but that came to an end, by the way the name of consultant is Nompumelelo & my policy number is ***4