Santam Insurance an Absolute ******* . Hiking values for a depreciating asset

I took out a Santam short Term Insurance Policy about 5 Years ago . The insurance covered two motor Vehicles , Household Contents and The Building . Santam kept hiking the value of the Household contents and The Building without asking me first .

When I inquired this year what the insurance values were , I was amazed that the property was overvalued by Santam by over 70% . The Household contents were more than double of what I would value it at .

Firstly household contents like a vehicle is a depreciating asset , how can Santam justify astronomical year on year increases . It makes no sense .

In addition Property values have remained stagnant all over the country in the past five years . In fact values in our area have dropped significantly over the past five yaers . How did Santam calculate such huge year on year increases . It makes no sense and just means that Santam Collects higher premiums each year .

I raised a dispute with Santam on the 23 January 2020 Ref mbuyisi***:39 and was told it would take about 3 business days . Five days later I was told it would take a few more days to retrieve the voice recordings of when I took the Insurance policy out .

To date which is now over three weeks later I have had no response from Santam to my dispute referance and request for a refund for their over insuring my assets .

I reduced the insurance values on the 31 January 2020 but Santam still needs to respond to my dispute query and refund me for overcharging me for overvalued insurance premiums for the past four years . Values that were increased by them without any market justification .

I have been insured for decades by different insurance companies and have never felt so ********** as I feel now by Santam . Their failure to respond to my dispute ref is even more galling .