Discovery Insure is the worst

Switching from Outsurance to Discovery Insure has been the worst mistake I made this year. My wife and I were ****** by a gang on a hike at Constantia Nek in Cape Town, they took our cellphones, wallets, my wifes wedding ring and our car. I found after the fact that none of the stuff we lost is covered as we only have content cover when we are in our house, I dont understand why this wasnt sold as part of the cover. My car was found and moved to the police pound and it has still not been picked up 1 week later and to top it off the discovery reps are ghosting me. I am happy with discovery medical and vitality but stay away from discovery insure they are undercooked and I am switching back to outsurance