PPS short term building insurance dishonesty

I am in the process of examining the details of my short term insurance with PPS and found some discrepancies that are not in my financial interest. I insured my first building with PPS back in 2014, which is a small house in a gated security complex at R439.03 per month. This is standard building insurance. Recently, I purchased another property, also in a gated security complex with the same building attributes (according to their form), except the new property is much bigger. For this building they quoted me R265.22 per month.

How can the monthly premium be so different between the two buildings, and why is the second building's premium less I asked them?

They rep****: "I was able to negotiate a discount on the 2nd building when we added this to cover, further to this our rates on the building section has reduced from the date that the 2nd building was added to cover which also resulted in a lower premium" "Please note I have re-loaded the building, which means re-added the building and was able to get the same discount app**** to the building which reduced the premium"

This means that any discounts or reduction in costs never happens automatically, and that the client should query them regularly to make sure you benefit from any such cost changes. The inverse to this is very obvious, they will implement increases immediately.

I am now in the process of trying to get back the monthly difference that I paid for the first building from the date of which my second building was added to the cover. I also asked for the calculations that they used to determine the premium amounts. For transparency and helping me understand what they are doing. It seems you have to think for them to get fair service.

I see a general trend in SA, since the economy is not doing so well, not only the services companies provide has taken a turn for the worse, but also their integrity.