Momentum Insurance

I have been insured with Momentum for couple years now and it’s been a wonderful journey and experience till recently when I put a claim for a lost device. My device was covered for R17000 and my premiums have been increasing annually since then. Today when I claim I get a shock of my life, momentum want to settle for far less than what the device was covered for. I was covered for R17000 and expected a settlement of that amount, nothing less nothing more especially considering that my premiums were going up every year. If the premiums were not increasing or were instead decreasing I’ll understand.