Ridiculous extra excess added on to policy

U till now I have been satisfied with Outsurance. But today after I claimed for a router that had been struck by lightening i was informed that in the future I would have an excess of 7500 on my policy for any claims regarding power surges or lightening. I was told the amount after I had concluded the claim which they a approved. I find this underhand and *********. One should be told before you finish a claim but the consultant didn't know how much the extra excess would be. I could have bought a router for R1000 and my policy wouldn't have been affected. I tried to candle the claim but they said it wouldn't make any difference. I'm now considered to be in a high risk area...just another suburb of Johannesburg. If they don't take that excess off I will change insurances.