Miway Insurance Ripoff! Not loyal to customers!

I have been with Miway since September 2011. I have been relatively happy with their service until now!

On the 1st of September 2016 I was paying R2 439.81 In total for everything I have insured with them with a excess payment of R4 250. I was not happy with this. On the 24th of October 2016 My policy was magically changed and now I was only paying R1 741.45 FOR THE SAME COVER!! INCLUDING CAR HIRE! With a excess payment of R1000!!! I was much happier with these amounts.

Then on the 1st of September 2017 my policy was renewed and my premium increased to R1 970.15. They also decided to change my excess payment back to R4 250. When I queried the above and tried to change my excess back to R1000 I was told that my premium has to increase to R2 073.94 but my excess will be R2500.

Please explain to me how in September 2016 I had a TOTAL premium of R1 741.45 and excess of R1000. One year later even though EVERYTHING I own depreciated I now pay R2 073.94 with a R2500 excess.

Needless to say I will be changing insurance company before the end of November!