Bad Momentum Short term insurance

I called them some time ago and ask for solutions to lower premium due to only driving like 70kms for a whole month because of lockdown. They could only lower premium by like R33. That is absurd. Then Momentum said all insurance clients due to lockdown and loss in income will get 10% discount on premium..but what is end result,...they send letters out via email saying its annual increase in premium and my premium went back to where it was...after explaining my position...lost pf income and wife too...I then sent an email four times to ask for lower premium again and to remove household contents to make premium affordable and because we are stuck at home...for over a week no reply....do they rather want people to cancel?..where is fairness here...TCF Act???what happen to client services and retention departments???Did they pack up and went home??? They also did not work on my policy liked I asked in my mails as they just took premium out of my bank...they should attend to this asap.