Disappointed and disgruntled

I wonder how to rate Miway after my latest encounter with them. I received a mail informing me that i must be careful of my claim profile or else they will either increase my excess, or my monthly premium or cancel my insurance completely, just because i put a successful claim of a windscreen. It was also a first claim for that particular vehicle. When i called them on 16 October 19 to enquire, i was informed by the consultant that the reason for that was because my windscreen costed R24,000. 00 and up to so far my contributions were way less so the company is loosing. Im just worried that during a time of real need (accident) they wont help me at all. I thought insurance is to assist us when we need such help but im surprised that my claim was questionable. Must I be afraid to claim? Must i look for another insurance? Im so scared and disappointed. Ive been a loyal client of Miway.