Unacceptable Excess increase

Early 2019 was changing to another insurance company. Instead SIL offered to reduce premium & Excess. April 2020 received annual increase which is acceptable however they increased the excess by nearly R1 000.00 which is unacceptable. I rarely submit claims & refuse to be bul**** into paying for the rest of the customers who abuse the insurance. Increases & Excesses should be based on individual customer. The systems are sophisticated to be able to do this because they increase the Sum Insured. Cannot figure out how they calculated this Excess increase. Several years ago SIL told me that my MV insurance increase was based on the high percentage of claims in the country - what has that got to do with me. I have not had an accident and/or submitted a MV claim in 32 years yet every month there is a debit order.