DotSure not a sure bet

I logged a claim with DotSure. They took days to respond. After a few back and forth discussions, sending all the required paperwork, photos and police report...they declined to pay out - stating that I didn't specify the cheaper radio I installed. The original policy stated a factory fitted (R10 000) radio and I installed a R3999.00 unit. My vehicle was vandalized. So, regardless of what kind of radio, factory or custom, it was vandalized because they couldn't ***** it. So, the payout to DotSure would be less due to the cheaper radio fitted but they refuse to pay out. I find this odd, unprofessional and a warning flag for potential customers...they will find any reason not to pay out it seems. I will never use DotSure after this...