Poor service from Nedbank

No follow up feedback from Nedbank regarding the 13 % premium increase for a 9 % cover increase.The Superviser ( Bridget )would have called back / made contact within 48 hours . . It is now 7 days after saac Karuwa , the Junior policy administrator could not explain why Nedbank could not give me a new premium in November 2023 and 29 days from the initial mail from Nedbank.It can only be provided/ calculated on 01/01/2024.I rep**** to Nedbank's email regarding the increase in premium to negotiate a lower premium going into 2024.It does not make sense to wait for a policy to lapse before negotiating the terms and conditions , unless Nedbank only take their interest into consideration ? We as consumers can not negotiate the interest rate hikes , but we can and should be able to negotiate future premium increases on our policies.