Vodacom Insurance charging 30% double excess to a loyal, claim-free customer of 36+ months!

I am absolutely disgusted by the unfair technicalities Vodacom Insurance is using to penalize loyal customers. I have been with Vodacom for over 36 months, paying my dues, and this is the first and only claim I have ever submitted in over three years.

My claim is being hit with a massive 30% excess fee instead of the standard 15%. The reason? I was told it's because my account had a 60-day suspension period.

How can Vodacom completely ignore more than three years of a claim-free, low-risk profile and treat me like a brand-new or high-risk customer over a temporary suspension technicality? My account is currently active and paid up. To double my excess when I have never cost the insurer a single cent before this is a complete rip-off and unfair business practice.