Misinformed

I moved from iwyze to Discovery insure with the understanding that we are covered in full should a claim arise. My husband was already a member of Discovery Insure and we added 2 of my cars. The consultant did not make me aware of the benefits that were previously on my husbands cover. I was surprised when we put through a claim for lost key, when they only paid a fraction of the amount and not for the entire invoice. This defeats the purpose of having the insurance - what would I do if I needed to claim for the car - where will I get the thousands to pay the difference and still pay for the access? I am not an employee of Discovery nor do I have full knowledge of the short term jargon - no where in the call was I made aware of the drastic changes from the cover I had with iwyze or the previous cover my husband had.