RE INSURANCE CLAIM

WHEN I WAS UNEMPLOYED IN 2011 & I CONTACTED OUTSURANCE TO LOWER MY PREMIUM & WAS INFORMED THAT MY EXCESS WOULD THEN BE HIGHER TO WHICH I AGREED & RECEIVED DOCUMENTATION. WHEN I STARTED WORKING AGAIN 2 YEARS AGO I CONTACTED OUTSURANCE & INFORMED THEM TO CHANGE MY POLICY BACK TO NORMAL. HOWEVER, I DID NOT RECEIVE ANY DOCUMENTATION OF MY CHANGES. I RECENTLY HAD AN ACCIDENT & WAS TOTALLY SHOCKED WHEN I CALLED THEM TO CLAIM & I WAS TOLD MY EXCESS IS R22 000. THE LAST DOCUMENTATION I RECEIVED FROM OUTSURANCE WAS 04/12/12 & NOTHING THEREAFTER. I BECAME MORE FURIOUS WHEN I LEARNED THAT A CO-WORKER HAD THE SAME MAKE & YEAR VEHICLE AS MINE BUT IS PAYING R661 A MONTH WITH AN EXCESS OF R3820. THEREFORE IT IS IMPOSSIBLE THAT MY EXCESS IS R22 000 AS MY MONTHLY FEE IS R575 !!! I WAS TOLD IN AN IRRITATED MANNER THAT I WAS SENT DOCUMENTS IN 2011 & IF I DIDN'T LIKE IT I SHOULD HAVE INFORMED THEM. I FEEL THIS IS TOTALLY UNACCEPTABLE!!!