Awful insurance

So tired of this freaking insurance. 2nd instance where they refuse to honour my claim. Claimed for a water my water pump, they only paid out 2700. Now my alternator just shuts off and they only want to pay me R750 for a 7000 part! I am disgusted at the misrepresentation of this policy. Apparently when 2 policies are put through simultaneously then they can only pay the difference. That's some fine print for you I have been paying this policy for 2 years! Now I do not have a car and have 2 kids to transport!