ABSA iDirect - disgusting!

I recently had my house ransacked by a casual domestic worker and as such have had to claim under household insurance from ABSA iDirect. OVER A MONTH down the line my claim HAS STILL NOT been finalised. Today I get told that the max I can get out from my claim is R30 000..... the items ****** (excluding the specified items) are going to cost me R77 000 to replace!!!! All of a sudden, it's in the policy that if there is no evidence of forced entry, you get a max of 5% of your total insured value!!! What policy ABSA???? I never got any policy! Getting cover from ABSA iDirect started off as a mission right from the beginning! I fought with the guys for almost 2 months, on THEIR mistake. I should've known this was not a good idea. Now I'm just getting *****ed over all over again. What you want me to do with R30 000 [URL Removed] on, not good enough, it's NOT fair!