Premium increasing creases.

As a customer I'm happy they way this company is insurance their premium's every 1st of April each year is been three years now they increase with R20,while their payout is less than a R4000 and I think is because they lack competition in our area. And in the past 4 years their increase moved from R10 to R20 when I asked them they just rep**** by "Things are expensive 🫰 this days",but they don't increase thelevel of thier service nor cash payout.