Premiums goes up, service goes down

My insurance premium has increased from R1296 to R1617.<br> <br> 1) still waiting for confirmation that i can take my car to a panelbeater for a small parking bump.<br> 2) i asked sales to remove Samsung S3 mini from cover, still being charged.<br> 3) wanted to add a new cellphone on cover, received a quote that is R100 more than my current phone, and i am currently paying around R30.<br> <br> This is making me reconsider the following<br> 1) adding building cover for a new home i am about to purchase.<br> 2) proceeding with life insurance quote that i received from my broker that is underwritten by Momentum.<br> <br> I understand that i will have a premium increase as i had a bump parking my car, however, the damage is estimated at R6000, not exactly a high amount vs the total premiums i have paid for the last year.<br> <br> Also, take into consideration, that a second car i have covered, premiums has also gone up.<br> Vehicle book values decrease each year, meaning that i am being charged more on 2 cars that are decreasing in value, meaning that I am effectively paying more for cover, for cars that lose value each year.<br> <br> If this is the service i can expect, i will move my cover and all my current momentum investments.