Unfair treatment by Auto and General

My name is Maime, I am highly disappointed with Auto and General, I took a comprehensive cover with the insurance for my bakkie however on the contract did not specify the type of theft they are covering for, either the vehicle or vehicle accessories that are included during the vehicle purchase. Now that the Tonneau cover has been ******, I sent out a claim with the insurance company. They are saying I should pay an access fee of R8300 for an item that costs R3372.46. Which I feel it is unfair treatment.