Unfair Excess Increase on Home Owners Insurance

When I signed up to cover my property for Home Owners Insurance, I was told that because of my age (being over 55 years of age) I can receive cover without having to pay excess on future claims. Guess what, after a few small claims over a three-year period, (e.g. geyser thermostat not working, front door lock that broke, garage door motor malfunctioning, etc..) my excess shot up from nothing to R2000 per future claim. So the company entice you with a "No Excess" sign up, but in return you should not use the policy... How does that work? One takes out insurance for specifically that reason... to cover the unforeseen. Not one of my claims exceeded the excess that I am now subjected to pay. For this reason I would not recommend Santam at all. I am currently sourcing quotations to shift my Home Owners Cover.