Disgusting bad service!!!

On 2015-03-22 IO was on my way back from Cape Town to Velddrif by motorcycle. On the way the top box came loose and fell off. The box was basically destroyed on impact with the tar road. In the top box was my laptop and tablet. They were also damaged. When I took it in for repairs / quote , i was told that its not economical to repair. I was under the impression that I had no insurance as my installments was not paid. I then sold the laptop and tablet for spares. I got R200. Beginning of April they deducted a double premium. I contacted my broker who informed me that I had cover for March and April. I put in a claim for the laptop , tablet and top box. Luckily the top box was available as I kept it to try and repair it. On my claim form i claimed for the top box , laptop and tablet. The insurer paid out the top box , but I was told to put in a new claim for the laptop and tablet , which I did. I am now told that was denied because I sold it. What a lot of *******. I was under the impression that I had no cover , that is why I sold it. I am definitely not leaving it here and is going to the media and Ombudsmen as I'm fed up with ******* insurers.