In one fell swoop my car insurance is unsustainable going forward.

I really enjoyed dealing with this company and am sad that they don't value me as a client. I had three really small problems with my Yaris this past year, which made it unsightly. The insurance company recommended panel beater turned two of these into expensive jobs by replacing whole panels. One quote that I got for one minor job under R1000, turned into a R10,034.00 new bonnet. The insurer is not working for the benefit of the client but the panel beating industry, which beats nothing and replaces everything. I asked time and again how these claims would impact my premium and received no satisfactory answer. My new premium for July says it all ! From R367.87 to R794.97. With all the cut throat marketing of short term insurance the client is on his own , with no one to assist and advise. We are just used and abused by impersonal big industry while they provide dysservice to their own clients on a grand scale. And how self righteous they sound doing it.