Change in product not communicated

I took out a building protector policy in 2013 only received summary wording, i was not informed that the excess on the policy had increased and a new insurer had taken over my policy or that i had a revised policy number. On lodging a geyser claim the agent did not notify me of all the changes as well as the excess payable. I had no choice but to pay the service provide as my household could not go without water or a geyser overnight until the matter could be addressed with the insurer. My policy details were not even quoted as the basis of the excess i was just told it's the standard excess for a geyser claim.