Slow service and claims process.

I made a claim with dial direct a month ago, the claim was approved and they paid the money today. In communication with them before the claim was paid, they said they will be paying the market value and confirmed it to be R150 000, I corrected them as I was covered on the retail value. They then confirmed that I was covered under the retail value with was around R170 000. I today receive a payment of R154 000 and when I call in they are claiming this is the retail value. Their claims process is very slow and they don't update on anything, you need to be the one always calling them to get updates on your claim.