Refusal to indemnify client for legitimate claim

I lost a golf club on the golf course and approached Indwe Risk Services to indemnify me. They requested I obtain a quote for the said club. I duly obtained a quote from the Pro Shop. However the Pro Shop advised me that since the club I lost was no longer commercially available I had to replace my entire irons as the value of the irons are now zero because of the missing club. Indwe refuses to understand this basic principal and want to pay me R200 after excess for a club I cannot obtain commercially and which are insured for R13 000. I escalated the matter to the manager Janice Pinnington who subsequently referred me to the Account Executive, Pamela Thoahlane. I emailed Pamela on 17 March 2016 to resolve this matter but to date I have not received a response from her or anyone at Indwe. My next move will be to take the matter up with the Insurance Ombudsman as I am receiving no joy from Indwe Risk Services.