Ooba inconsiderate & selfish

I took a building insurance with ooba on the 12th May 2014 which is almost 7 years with them. Then, in April 2020, I asked for discount on my premium & I didn't ask for any excess adjustments etc. Then they send me an updated policy without mentioning that my excess will be increased from R850 to R5500 even for a mere geyser.

When I try to claim for a leaking geyser on the 4th Jan 2021, they tell me about a very high excess of R5500 for a mere geyser. I`ll never asked for a excess to be so high for a plumbing or geyser. In addition, since the 2014, I have never claimed from ooba & I am treated very bad by them. Also when I book for a claim you have to hold for long periods without being helped. I will be moving to OUTsurance or Dial Direct at end of Jan 2021 as they treat people better. Ooba to me is selfish & inconsiderate to the highest level.