Unhappy client

I have always been an ambassador for Outsurance HOWEVER, my most recent experience has left me feeling taken advantage of. I accidentally swung too hard coming out of a carport in Jan and hit the carport pole which damaged the left panels of my car. The damage was not to bad and due to various reasons (partly due to the perceived daunting claims process) I have not submitted the claim until now - now that I want to look at getting a new car. I have met with the assessor and a quote has been provided for repairs, however I have a huge issue with the excess amount that is now payable. Up until end January 2015, my excess was around R3300, and after a re-rate discussion with Outsurance, my excess dropped to R1000. My issue is that Outsurance want to charge the excess amount that was applicable at the time of the accident, not the excess that is applicable now at the time of the claim, Is this right? I have never submitted a claim for repairs previously so I don't know but I can't find anything of this nature in any of my policy documents (or on their website) stating this? Outsurance, you have completely disappointed me &amp