Bad Service

I was hijacked exactly 1 month ago, and despite having paid all of my premiums on time- my claim has not been settled. I have submitted all that I was required to, and now they are trying to shaft me on what is due to me. When I highlight that the interest has accrued increasing the settlement value, they introduce a theft excess which was never before mentioned nor discussed. I am very upset with this level of service, especially when there are companies that would have paid my claim in a week.