Standard Bank home loan charges still going up, despite VAT no longer going up.

I got a text from Standard Bank that due to inflation my home insurance amount will go up just as I received lots of messages from other companies doing the same, but what bothers me is that now that inflation is no longer going up, Standard Bank hasn’t yet notified me that the charge is no longer going up. Why are they still putting up the cost? It’s already more expensive than other banks & I always recommend Standard Bank to everyone, but since the vat is not going up any more I’ve received no further correspondence from them. I’m also trying to reach them since forever as I need to change some thing’s regarding my insurance, but the emails all come back as undelivered & I am a wheelchair user, its very hard for me to go to the actual bank.