Disappointed with OUTsurance.

I have been with OUTsurance for 9 years with not a single claim. I started with an excess of R3000. They unilaterally increased my excess to R4500 without informing me, plus premium increases every year on the anniversary of the policy. No reasonable answer for the increased excess. They come cheap in the beginning , the longer you stay with them they they become more expensive. Furthermore the policy document does not show the insured amount of the vehicle. When enquired they give an verbal figure.