Changing the rules

My wife's wedding rings was ****** in late last year. i reported the theft to the police and also advise Discovery insure of the theft. The call operator who advise me of the criteria of the claim. One provide proof of ownership of the ring by submitting photos of the ****** ring, obtain 3 quotes for the replacement of the ring and supply the case number for the theft. I met all the criteria requested. The quotes given to me was quite disproportionate compare to what I initially paid. I agreed with them with that fact as the per one, I purchase the ring 6 ore 7 years ago. The ring was custom made at a special price. I agreed with the company to allow there own jewellery company to produce and replace the ring. So my claim was authorised to be processed. A month or so of no communication from Discovery Insure or the Jewellery company I phoned to find out what the delay was. Basically Discovery advise me that they have change there mind. I find this shocking as they don't change their minds every month the debit order goes off.