Need justice. Worse service ever

On the 3rd September 2019 I was hijacked in the south of Johannesburg. I logged a claim to cartrack that I was hijacked, they told me that they recovered the unit but haven't yet recovered the vehicle. Days passed and till to date my car haven't been recovered. I put a claim as they add (says if they don't recover your car they will pay R150 000). I put my claim on the 23rd of September 2019 which they said it takes up to 60days from the day they received all the documents required for the claim which my 60 days ended on the 23 November 2019. I did a follow up on the claim and I was chatting to Chantall Dippinar via emails. Today they sent me an email saying they won't pay my claim due to that I changed Insurance and I didn't notify them according to the contract which I signed from her manager from recovery department (Johnny Smith) when I ask Chantall to send me the contract she just kept quite.