INSURANCE CLAIMS

I have an insurance claim with discovery. I am being forced to take a voucher at MAKRO or New World in Pretoria. Although discovery has a choice in terms of their policy to do cash payments they refuse. I am being inconvenienced because i cannot buy my tools at my local supplier. i am being forced to travel to Pretoria which is over a 100km or to Makro which is over 60km from where i live should i have warranty claims. I am not put in the same position that i was in because my previous position allowed me to take my tools to a local shop for warranty claims and services now i have to travel 100's of kilometers for warranty claims and stand in long queues. So tell me how am i placed in the same position? Once discovery has issued the voucher, if i have a problem with my tools under warranty at MAKRO or new World it then becomes my problem at my cost discovery would say they have done their part in paying me out. After that i need to travel far to get warranties sorted. Therefore how does this benefit me by forcing me to buy at stores that are convenient for discovery and not me. Should i not be placed in the same position as i WAS?