Unacceptable service

Good day My vehicle is insured with Budget insurance as a 2009 model hence I've been paying a monthly premium for a 2009 model. Now that I've had an accident and the vehicle is being written off they say its a 2007 model. So from R69000 they now want to pay R48 000. It was fine for the insurance company too accept a premium for a 2009 model all these years and now want to pay out for a 2007 model. I have my house, the church and 4 vehicles insured with Budget. I am very unhappy with this and will be taking my business elsewhere. It's also taken them 3 weeks to get to this decision. I've actually paid in more money than what they actually want pay out. Please think twice before dealing with Budget insurance. Regards Mr HG Blignaut