Exorbitant increase with no claim.

Every year outsurance dramatically increase my premium even if I have not had a claim. I phone them and ask why and then normally they straight away decrease it to a reasonable increase. So basically they just ****** extra money out of people who don't complain. I just got my rerate notification now and again it is too high. Its 11% and I had no claims. I phoned and queried and now tell me there is no available discount and nothing they can do. I asked them why its so high and they said the value of my house has increase by 9%. I told them there is no way the value of my property is increasing 9% a year and I have confirmed that with some simple googling which reveals house price index only increased 4% last year. So they are making up figures to try and justify their exorbitant increases. Besides the total value of my house is the smaller risk for them. I am a lot more likely to have to claim for lightning damage or a break in than I am for my house burning to the ground. So to push up the premium so much to "cover the total value of the house" is ridiculous. Outsurance mainly do this because of their affiliation with FNB Homeloans and they know it is very difficult for you to move your policy to another insurer and think they can then just charge you whatever they want with no proper justification