They don't want to pay my settlement of R150k as my bakkie was hijacked and they failed to recover it

They don't want to pay my settlement of R150k as my bakkie was hijacked and they failed to recover it. I was also insured by Outsurance they paid me what was due , as the condition was after they checked with Tracker that I'm up to date . It is 7 months and I'm still waiting, original they never send me a contract only a installation booklet I was with them for 4yrs Thank you Chris Kubeka ***