Insurance is great till you need to claim

I signed up to Oakhurst insurance in December 2015. I started off with car insurance, added household goods and then cell phone too. My excess for a car accident is R2500. That’s what I signed up for. Unfortunately I was in a minor accident a couple of weeks ago. Now listen to this: R2500 is my basic excess then they want to charge R2500 because I’m under 30 (I’m 29) and on top of that, another R2500 because the accident took place between 10pm-4am. The total damage to repair my vehicle is less than R5000. Someone tell me what ******* this is? This is not in my clause! I literally did not sign up for this. **************** at its best!