Loop holes in non payment from insurance company's

My Polo vivo was ****** in Durban on the on the 5th of June 2021 it had a tracker unit in it that was installed as the value was R209 000.00 at the time of purchase. the schedule required as any car over R200 000.00 needed one. The car was purchased in 2017. The contract of 3 year period was over and was kept for piece of mind. although it was a requirement from the tracking company to check it with the panic button on a 6 month period that the tracker was working i was not aware of this. the schedule from 2020 changed that the value of 300 000.00 needed a tracker in it and the value of the car by this time was below R200.000.00 i can no t understand how it can be the only reason that the payment was refuted. How can you pay for your insurance for 3 and a half years pay for tracking for 3 and a half years and the claim is refuted purely because i did not check my tracker unit in the car, the value of the car is way below the required insured amount of R300 000.00 and you paying for the tracking unit monthly and their is no responsibility on the service provider to tell you that they have lost contact with you tracking unit on your car ? What am i paying for, for them to do nothing. The tracking company did admit that at the time of theft that the last had communication with the car on the 15th of February 2021