Credit shortfall taken away without consultation

Miway is too happy to retain you only when you get a better insurance quote, but only to find credit shortfall is taken away on the new policy schedule and nothing was discussed with me. I am 5 minutes from taking insurance with Outsurance because i don't believe in this practice. You can even pull the call because Thandi asked me the value of my car and i said the settlement was about R110k and she asked again and i said i was not sure, then she said because sometimes i would be paying for a shortfall when i no longer needed it. So my question is who confirmed the value of my car, and confirmed that i no longer need the credit shortfall? If you no longer have the ability to keep your clients, accept defeat, don't go reducing premiums and think it's ok. and FYI Outsurance said they can reduce it further and take it to R629 per month. So try retaining clients before they want to leave because trust is definitely lost here.