Taking your customer's for granted/ unacceptable

I have never felt like this, I logged a claim with budget for my wedding ring, which I insured for R16.500 because that's how much it's worth, I have an evaluation certificate which I already sent to their tale sure agent. <br> Today I got a call from her telling me that the claim was approved, but they are only going to pay R12.000 for my ring if I don't want their jeweller to make it for me, she even said its because their jeweller is giving them discount, I could not believe my ears. Because I don't understand how they managed to make that my problem.<br> <br> I want to get my ring from the same jeweller I bought my ring from, even though they already told me it's going to cost more I'm more than happy to settle the difference. <br> But budget needs to give me what I'm paying for. They can't give me less than what I'm paying for, And I'm tired of having to fight with them.<br>