MiWay -beware the premiums they will charge you on renewal!

I have been claim-free for car insurance for twenty years at all insurers and claim-free for ten years with Miway. I live in one of the most safe and crime-free areas of South Africa. I drive on average less than 66 kilometers per day. My car is one year older, worth less and therefore their total exposure is lower than the previous year. I therefore assumed that I tick all of the boxes for low risk and therefore a low premium increase. Yet, MiWay does not take any of these factors into account, nor do they take into account the premium I am paying currently - they never do. They have just renewed my policy for another year and nothing, absolutely nothing has changed or happened to have any cause for viewing me as a worse risk than before, in fact, quite the opposite. Yet, they deemed it necessary to increase my premium by 19% (roughly six times inflation!) and to add insult to injury, at the same time increased the excess I have to pay by 11% (more than three times inflation!). This I take as a token of their appreciation for me as a valued customer, as they state in the letter informing me of these minor alterations to my policy. I phoned them three days ago to question the rationale behind these totally unreasonable increases. The call center agent stated that she cannot help me but will put me in contact with someone who can. Then she came back and stated that nobody was available, but they will call me back when someone is. As I stated, that was three days ago and since then there has been an icy silence. Unfortunately, this happens every year. They increase your premium by a ridiculous amount (the record is in the low 30%!) and then you have to phone them and spend many hours attempting to get fair treatment. I have so far been able to secure a more reasonable premium putting in this very hard slog. This year is even worse than previous years, because at least then I could get somebody capable of considering the case on merit - this year they have just ignored me. If you do decide to take out car insurance from them, be forewarned that it is guaranteed that they will try to do you in with the premium when the time comes for renewal of the policy.