Insured Value of Vehicle not as they say in policy

My car was ****** 14 January 2023 (2018 Toyota Fortuner 2.4 GD6 Automatic 2x4). On my insurance policy it states that my car is insured for retail value which is R430 000 (Transunion/m&m) I have been to various motor retail outlets and all of them gave the same value. Dot Sure now says no but my car was insured under the True Trade retail value which is R350 000 - after a query they increased it to R380 000. Apparently the made sure and could easily buy the same vehicle for R380 000. I have searched and the cheapest one I could buy was R417 000 most of the were over R430 000. No where in my policy it states that the vehicle's retail is determined on True Trade (which I have never heard of). I am financially not able to buy the same vehicle again (2018 model) I do not want better although my vehicle only had 44 000 km on the clock. But Dot Sure just refuses and says I can be glad that they increased it to R380 000. I feel it is unfair why did they not state in their policy retail value is True Trade retail value ? I just want to be paid what I paid my insurance for. I did not ask for my car to be ******??