Clarification Required on Excess Charges for Windshield Claim - Policy 55+ NO Excess

I am writing to seek clarification regarding a recent claim I filed with Momentum Priceless 55+ for my spouse's car windshield. I have been a policyholder for several years, during which time my policy included no excess. However, during a call with Lerato from the Glass Claims Department yesterday, I was informed that an excess would apply to our current claim. I mentioned to Lerato that my husband is turning 60 next week and questioned the necessity of paying this excess. For context, my husband changed vehicles two years ago, and when I updated our insurance policy to cover the new car, Momentum amended the policy to reflect an excess for windshield claims. I discussed this with our broker/consultant, Fiona, who provided a copy of the policy indicating the excess. However, our original policy clearly stated "No Excess" for policyholders over 55, which led us to switch our insurance to Momentum Insure. It appears that Momentum altered the policy terms without notifying us of these changes or the updated conditions. Given that the vehicle change did not involve any modification to the policy terms or conditions, I am concerned about why an excess is now being app****. Could you please review this situation and provide clarification on why we are being charged an excess? I would appreciate any assistance in resolving this matter in line with the original policy terms. Thank you for your attention to this issue.