My vehicle was jammed, and two gadgets were ******

My vehicle was jammed, and two gadgets were ******. The gadgets belonged to my late husband, I don't have any proof of ownership since he was residing in Capetown. When I covered the gadgets proof of ownership was not requested or of purchase. During the claim stage they demanded proof otherwise they will not pay. However, the consultant offered an amount of R15 000 I escalated the matter and questioned how they arrived at the amount. They decided not to pay and in the policy document there is no explicit requirement for submission of proof of ownership under the circumstances described. The policy is currently active.