Outsurance 'system' penalises existing clients if they do not accept the first quote

Outsurance increased the monthly debit amount by 22 % within a period of less than an hour or so and, when queried, the answer was that nothing can be done - the system says so! Basically, a request was made this afternoon for two new items and the amount quoted was R129.40 per month for each one. This quote was not accepted there and then. When I asked for a call reference number I was told that it was not necessary because of already being a client. When I called again to get them insured, the quote was for R157.86! A whooping 22% increase in the monthly fee! The person who was helping me spoke to the manager when this was highlighted and the manager confirmed that nothing could be done - it is as the system says. What would one call this kind of practice? It sounds like the airline ticket pricing search engines that increase the quoted prices with the number of queries on the same destinations. Is it possible that the Outsurance system penalizes existing clients for not accepting the first quote they receive? Is this an indication that one should move insurance company every so often?