EXCESS STRUCTURE CHANGE - NEVER NOTIFIED

<p> </p> <p>I BOUGHT A CELLPHONE IN 2013 AND INSURED IT WITH FINRITE I LOST MY CELLPHONE ON 24TH OF JUNE 2016 AND WENT TO EXACT STORE SAMMY MARKS SQUARE TO LODGE A CLAIM ONLY TO FIND OUT SEVERAL WEEKS LATER THAT THE EXCESS STRUCTURE HAS CHANGE BUT I WAS NEVER NOTIFIED</p> <p>NEITHER TFG NOR FINRITE NOTIFIED ME THAT THE EXCESS STRUCTURE HAS CHANGE AND NOW ITHEY WANT ME TO PAY AN EXCESS AMOUNT WHICH IS NOT IN THE AGREEMENT THAT I HAVE WITH THEM?</p>