Not impressed - feels like I have been **********

I have been with Outsurance since 2004 and feel that I have been ********** by them!!! Firstly I have my cellphone insured with Outsurance - started off as R17k. I see that I on 13 April 2017, it was insured for R 18360. Now in Oct 2017, it is insured for R 19828,80. Where on Gods earth do you pay that mush money for a Samsung S7 32 Gb even if it is brand new. Cellphones depreciate all the time and my insurance company should be decreasing my insured value rather than increasing it. This phone now is probably worth R10k if that. I want a refund for the money that Outsurance has been overcharging me!!! Secondly on 13 Oct I called outsurance and asked them to relook at my premium as I feel that my increase was a tad hefty. They did that and saved me about + - R300 per month. But now going through my policy, my excess has increased by R200. I was not made aware of this and I would never agree to increase my excess. I am actually disgusted that I have been ********** and I am going to be taking this up with the Ombudsman.