Doing it your way and i don't like it

When i joined Miway in 2018 I made it very clear to the consultant that i do not wish to pay a high excess hence i was happy when they offered me an excess of R3000. I have never missed a payment and have never claimed well except for a chip on my windscreen but that doesn't even qualify as a claim as the windscreen wasn't even replaced. being the good client that i am, i was unfortunately involved in an accident 2 weeks back and to my surprise i was told that my excess in now R4700. how did we jump from R3000 to R4700 in a space of 2 years. firstly i was not made aware that the excess goes up every year and even if i was made aware. how do you justify such a high increase. i was advised by one of your consultants that my premium went up by 7% last year and if that was the case, what percentage did you increase my excess by and how did you come to that decision. Why was i not told from the word go about such a high increase in excess??? your claims process is terrible slow and i hope your response to this will be much faster