Acts of God Clause

Just paid our car insurance, and I still couldn't believe what their "new" policy was because of the typhoon Ondoy. You see, aside from mechanical breakdown insurance, the whole policy included coverage for "acts of God." Because of the Ondoy scenario though, they wanted us to pay additional PhP 4k for the Acts of God clause. What the??? I told the agent that they have already given us a billing statement specifying the amount we have to pay, plus the inclusions, and it included the "acts of God" clause, so they couldn't just easily tell us to pay more right? So anyway, I got to pay the original amount, and they just regarded the PhP 4k as our "discount" but next year will be a different matter. well, next year I'd scout for new insurance companies and see. Hehehehe.