Contents not insured as per policy

I had a burglary on 29 December 2024. They entered my home via the roof to cut the alarm wires and proceed to ***** electronics, jewelry, etc. Discovery is telling me that my jewelry that was ****** from a locked safe is only insured at 25% of the sum insured. This is not a benefit limit on my policy. Discovery tells me to follow a link to a benefit limit document which they amend at any given day. This is not a valid legal agreement between me and Discovery. My policy states: "All jewellery and watches per item, pair or set that exceed R 50 000 per item in value, which are not specified under the portable possessions section, must be kept in a locked safe when not in use." This is a warning to every person to reconsider insuring your contents with Discovery. I have never had a problem like this when claiming from Outsurance in the past. I feel cheated by Discovery as I was assured by them I was fully covered for my contents.