Claim Rejection and Refusal to Refund

I insured my Samsung Galaxy Note 3 with the Game Cellphone Insurance, which I have been paying the instalment monthly. I lost my phone on the 08/03/2016. I went into the Engen Garage Next to R21 on my way to work and went to the rest rooms, to cut a long story short, when I got back I just got into my car and drove to work. Once at work I discovered that my phone was not there, I reported the matter to Game insurance. Today they are telling me that because my phone was in the car and there is no proof of forcible entry gained or violence they are not going to refund me with anything. I asked if they can at least refund me my money so that I can go and get myself another phone because I was not told of such exclusions which they are telling me about. They promise you the best service when you get the insurance and you pay the monthly instalments with the peace of mind that you are covered if your cellphone gets ****** or lost or physically damaged, when it comes to you claiming they (Game Cellphone Insurance) come up with ways and unreasonable excuses for them not to give you the promises they made. Why did I pay insurance if they are just going to refuse to pay?