Not Fair

I am having a moral issue with Miway. I have been a loyal Miway customer for years now and have had no issues, even always referring friends and family. However I am very disappointed at the moment, A year ago Miway suggested that I merge my policy with my husbands and we could save money, fantastic. I was happy and so was he and we did, cancelling mine, it has since been a year or so and I have my very first claim, I have a crack in my windscreen and need to get it replaced. So I called mywai and went through the whole deal only to find out that my access has then moved from R600 to R900! a few years ago my husband also replaced his windscreen and I can understand that his access will go up. Now that I am on his policy I have to take the knock for that. Worst is after phoning around for a new windscreen because R900 is to much I found that I could get one for R700??? Please explain to me why it is fair to charge me for the new access and then also why so much? Now it just feels like a punishment to be with an insurer not that your supposed to feel relived that you wont be completely broke when they are done with you. I mean it is just a windscreen!!