Rejected claim its not miyway its their way

I had house content insurance with miyway in November the 7th I had a house brake in into my home I lost staff that could worth +- R20 000 I open case I followed the claim process they send an assesor Carel Mieny He came to my property and 5 day letter He called me to tell me that my claim has been rejected and the reason is I did not disclosed that I don't have a gate in my house yet the question in which they ask it .it was not at my level of understanding do I have spanish bars ? I asked for explanation but they added a lot of thing\. I decided to join Dail Direct in January I told them upfront that I don't have a gate they gave me instalment of R280 while miyway was charging me R240 I then install the gate and requested from Dial direct to review my premium since I have a gate I was told that house content insurance has nothing to do with gate since I was not insuring the car ? BOTH THIS INSURACE ARE UNDER SANTAM should they not be banded by the same regulator why is the gat important for miyway while Dial direct to them the gate is not important ? please help"