Preemie with outsurance

Good day. I am a outsurance client for the last 12 &half years. I am driving a polo vivo 2012 model and I am also 39 years of age. When I informed them of the polo about 5 years ago I use to pay just over R300. When I got divorced about 3 years ago, I informed them that I am moving to a new address and wanted to update my profile. Then all of the sudden because I told them I am divorce they hit my with a penalty and moved my preemie to just over R700. Since them I am struggling to get my preemie down. Last month I got a email stating that my preemie will go up again by 8% and that I will be paying R780 starting 1st of Dec 18. Also that R780 does not even include a vehicle should I be in need of one. I have phoned outsurance at least 10 time in the last 2 years asking them to reduce my preemie as the value of the car is dropping, my age and the fact that I moved in with my live partner 7 months ago. Now all of the sudden It does not matter if you life with a partner and they keep on telling me that there is nothing they can do to reduce my preemie. There excuse is, If i want to safe R50 I need to increase my excess fee to R4500 where my current excess fee is R1500. I have spoken to a lot of managers and all of them with the same excuse. Sorry Mnr Botha there is nothing we can do for you. Then about 10 days ago I phoned them to let them know that I am in the process of buying a 2008 Yamaha R1 and need a quotation. The quotation just came under R930 which I also think is a bit ridiculous. Yes I know I only have a learners but still. the two together round about R1700. I cant even take out house insurance because of the high preemie. the time it takes to get quotes from other insurance companies takes a lot of time, but If I need to change insurance companies I will do so. Is it not true adding a norther vehicle you actual need to safe on your preemie? I really need some help as outsurance is not prepared to help me in any way.

Thank you Gavin Botha