Insurance Policy hail damage claim

I have a insurance policy and an existing claim registered with Oakhurst Insurance dated 23 October 2017 and I was referred to the preferred panelbeater by Oakhurst. However due to a high number of vehicles referred to that particular panel beater I was requested to bring my vehicle on the 19 February 2018, of which I did so, and the vehicle is currently at the panel beater.

My complaint is that, the vehicle was damaged due to hail and the claim registred is hail damage. Prior to me taking my vehicle to the panel beater, I received a phone call from Oakhurst Insurance informing me of the I have to pay an excess amount of R3500 and an additional R3500 for putting a claim in the first 6 months of taking up the policy, making it a total of R7000.

I have a serious issue with both reasons, reason number 1, the damage is caused by hail, something that is of a natural disaster, something that beyond my control. Its not as if I had contributed to the cause of the damage in any way on the vehicle or I have been negligent in that regard. Reason number 2, Its unfair for Oakhurst to want to charge me an extra R3500 because my claim is registered within the girst 6 months of taking up the policy. The whole point of taking up an insurance policy even before the vehicle is driven out of the point of sale is that, it is fact and a possibility for anyone to 50m out of the dealership and have an accident, hence finance companies insist on prioritising the need for all vehicle to have an active insurance policy prior to the vehicle being driven out of the dealership.

I feel that both reasons are unjust for me as a client to be punished so severly by Oakhurst Insurance Company Ltd considering that it is a norm that insurance companies do not make their cilents pay excess upon a claim on the vehicle particularly when the damage is as a result of a natural disaster such as hail damage.