Old Mutual - Cellphone claim - Becarefull this is a ****

I am very disappointed with the claim service that I have received from Old Mutual. My cellphone was ****** out of the office on Monday the 21st of November at about 14:20. After report and blocking the phone at cell c getting the ITC number going to the policy station to report the phone ****** to get the case number to send all to the insurance. Now waiting more that a week for the claim to be finalized the claim is now at the stage that the insurance want to offer me R6 900.00 for a cellphone that have been insured for R9 000.00. I just want to know where they get these prices maybe they use fong kong phone because the replace the cellphone at 3 different provider is R8 500.00 and more This included take a lot. So this story that the insurance is saying we will put you back in the same position as what you where before the claim. This is a ****. The insurance want to pay you out for the amount and now where do a normal person buy a A53 5G for that price. I am not sure where they get the phone from but it not in South Africa because the resources available to the public we cannot get the phone for that price. I have already said That I am not happy with this. Is this the insurance company treating clients fairly. Nope I do not think so. Maybe I must go to the ombudsman to see what he would say and what the public would say about this claim. And what their perception would be. I am not really happy with the service maybe it is time to change insurance companies.