Adding/ Updating my policy without my consent - slamming me with a R5000 access!

I signed up with Old Mutual Insure more than a year ago, was very happy and excited as they gave the best Premium and gave me zero excess, I was very happy and excited. I was in a car accident 2 - 3 weeks ago, and immediately followed all the correct and right steps to log the claim, yesterday I got an email to say that the repair has been approved but I need to pay a R5000 excess, I could not believe this as I signed up for zero access , I emailed and questioned this , and up until now , no feedback , I called Old Mutual Insure yesterday afternoon , to question this , and was told that there was an update and change to my policy , and communication was sent out a while back , I never signed or agreed for anything to be changed or updated on my policy , and usually when a change like this happens , it is mutually agreed upon and signed for , not just implemented , I was told that an excess of R5000 was added to my policy due to climate change . I was also told that if I am unhappy, I can log a complaint and they will get back to me. I am not very happy with this, as I do not have R5000 for access and if I had new this and your "trained" consultants would have actually called and communicated this I would have never agreed to this ever, this is not the way that you do business, and I am not very happy