Sa Home Loans Insurance Poor Service

After all my claims submitted came back declined for whatever reasons they have,paying my insurance for the past 10 years only had 4 claims paid out during that time the rest was declined everytime,all the recent claims was cause by natural disaster and wasn't paid by my insurance.Last week I got a phone call from my insurance saying that my excess is going up with a additional R2500 excluding the R750 which was my normal excess amount their reason was that I have claimed to much thets why there is an increase in my excess.I then ask the lady in the past 10 years how many times did I claim or my claims evens successful she then said its management decision,I then asked for one of the senior managers to call me and explain is this across the board increase or just certain people increase but haven't receive any call from no one eversince.Still waiting for my Lappa to be fix and it's insured for almost "Hunderd Thousand Rand " got feedback saying my claim has been declined cause lack of maintenance and the damage was caused by d storm I'm really not happy after being a loyal Customer for the past 10years your service is very very poor!