Changing your Excess without Authorisation or Consent

Good Day MiWay Team, I was contacted by a Kelebogile on Saturday, and I was actually even more disgusted with MiWay then I was on Friday. Not because of her, she is actually an exceptional employee that spoke to me for almost 2 hours without losing her cool. I am disgusted that instead of giving me answers, MiWay tried to soften me up, by offering to reduce my Excess to the amount that it should have been for the last 3 years. My issue with this entire situation is that a reputable company that prides themselves of doing things "MiWay" thinks it is acceptable to abuse the trust of clients by changing agreements that suits "TheirWay". I am awaiting Feedback from the MiWay Team regarding the below matters: 1. Why was my Excess increased with 368% after my first year with MiWay, if my cover stayed the same and I haven't made any claims. 2. The Documentation (Or Call Recording) that I received in 2016 stating that I agree that my Excess can be increased annually without authorisation, when there where no claims and no changes to my cover. 3. The Documentation (Or Call Recording) that I received in 2016 that states that I will receive an entirely new agreement annually from MiWay a month ahead of my policy anniversary date, stating that it is my Responsibility to make sure that I read the new agreement and have 30 days to let MiWay know of any irregularities otherwise MiWay can just change my Policy and agreement with them as they see fit.