Claim Approved then told it’s not

Submitted a car accident claim on the 05 February 2018, Was informed that claim was approved on the 16 February, I was told to submit necessary documents to be made, on the 20 February 2018- I called to update the claims department about the requested documents, only to be informed that claim is not approved due to the high retail value of my car (Nissan Qashqai), this is according the investigating specialist. Since the claim is approved, why the delay in making payment? Why go back to investigate further due to the retail value of the insured property? Unfair and ill treatment by discovery insurance.