THEY DONT WANT TO REPLACE MY WATCH

Last year i bought a fossil watch in canal walk and took a insurance and i was never told that its only valid for one year.This year in april i lost the watch and app**** fot claim the date was 17/04/15 whenni submitted the documents and i never got any feedback, then aftersome time early MAY i got a call from the claim and that lady said she was busy with my claim application she just want to know how did i loose my watch and i asked her to phone me back at half12 when am on lunch but she never did, so yesterday i called the store to do follow up and was assisted by thembakazi and after 30minutes she phoned me and said the claim department is asking if do i suspect anyone@home dat might hv stole my watch&amp