Personal All Risk

I don't know the reason for paying an insurance if you pay for all Risk and you don't normally claim for it. My wife has lost her pair of glasses and I have put a claim in against this. This is not your everyday claim or let me say that I do not claim for these personal belongings on a regular basis or ever. Momentum told they will not cater for the full amount of the pair of glasses, they will only provide R1500, because this was not specified. Is this is how it will end up, do we have to specify everything and in the end a quarter of your wife's income will cater for only insurance money. If I have abused the insurance, I would have accepted it, but this is not the case. Why do we have all risk personal, it appears that people do give up and end up paying everything themselves due to the reason of the personnel at Momentum tells you what you are worth.. Do we pay insurances just to enrich other and to utilise the money for additional shares and stakeholders. Please tell me, I am tired and please refer me to another insurance that will not give me the same problems I experience lately, they treat you as if you are some kind of worthless money seeker.