Claim complaint

Hello, first they do not send feedback via mail.. Most times I have to call to get feedback.. Secondly my claim has been approved but I was advised that they can do a voucher which would not be a problem if I was anywhere close to their preffered stores, but I'm not..when I advised the stores I was closed I was informed that it's not on their panel... The claim handler then told me that they will not consider cash payment at all it has to be a voucher... She said the only solution was for me to buy the laptop then provide with receipt as proof of purchase... So this leave me wondering when to get the money to buy this new item... And another thing is.. And If I had so much much why would I need insurance to begin with? I find myself out of option and very very distressed...