Old Mutual Insure - Cold and Unsympathetic - 30% Premium Increase Year on Year

I have been a loyal client of OM Insure for approximately 30 years. On the morning of the 3 January , my monthly debit order went through with an approximate increase of 30% from R4300 to R5600 on my monthly premium. The disappointing thing for me is that OM Insure had not communicated this increase with me otherwise I would have queried the increase before the debit order went through. In these trying financial times how can an Insurance company (OM Insure) be so cold and unsympathetic to their clients to increase their premiums by 30%. Upon enquiry with OM Insure I have learnt that OM Insure increased the market value of my home from 2.2. million (municipal market value) to 3.2 million, is this a new strategy that OM Insure utilises to increase their clients monthly premiums? I must admit since purchasing my current home in 2015 to date, there were some problems that lead to insurance claims, (but what about the 24 years prior when there were zero to minimal claims), OM Insure was happy to take the clients money then. Does insurance have to be one sided, as in the case of OM Insure.