Old Mutial Insure Poor Post Claim attitude and service

Potential customers who consider moving their Insurance (car/house) to Old Mutial Insure must please be wary. I as pensioner had 0 excess should a claim arise. But the moment I claimed for 2 car accidents (minor claims) and for my swimming pool and they paid the claims, very soon after that they instituted excess amounts for both cars in the event of a new claim (R 5000 per vehicle), and they increased my premium with R 200 and increased it again since they decided the premium had to be annually increased. So I realised that if one does not claim they are very happy, but the moment one claims, the claims are paid but then the after claim service is very poor.