King Price - Do not pay out for items that you are covered for

After loosing my fitness watch, I attempted to submit a claim online. I emailed my insurer (King Price) with the particulars of my claim and a receipt of my purchase. With no response more than 24 hours later, I decided to call them.

The lady on the phone declined to call me back. She said if she did, it would be at a much later time as she was busy. Wanting to sort the issue out, I continued with the call. She then told me that I am not covered for unspecified portable items. She said that this was clear in my policy. I asked her to email me the policy and found that she was lying. It clearly states that I am covered for portable unspecified items up to the value of R2000. My watch cost me 105USD, as I bought it on a business trip in the US. This equates to R1500. The call was over 16 minutes long , at which point she attempted to transfer me to someone else, to "explain to me". I then put the phone down as I felt that King Price should be covering the cost of this call, not me.

I am astonished that I was **** to by the company representative and will be changing my insurer. I do not feel I can trust King Price to pay out if something more valuable was ****** from my home. If they are not willing to pay for a low value item such as my watch then how can they be trusted which my home contents. How do I get them to pay out for my watch which I am clearly covered for?