Shocking Service from Momenytum Insure

I have a claim registered for my Car that was involved in an Accident and has been written off. My settlement has been provide by Momentum however no extras have been included in this amount. I have specified a Tow bar, Smash and Grab on the windows and Speed Cruise Control and pay a premium for these items every month. Momentum have only offered me the value of the car and has failed to want to pay me out for these specified extras. we have tried on many occasions to have this rectified but without and success - this is shocking service from such a big company that wants to portray that they are professional and competent. They have also made deductions for a chip on the windscreen - that has been repaired by Momentum as they chose not to replace the windscreen, they also have deducted an amount for what they deem a bad paint job that they had one of their service providers repair my car previously. Their is a small dent on the rear boot that was not repaired as i did not deem it worthy to place a claim for this - thus saving Momentum money. None of these items that they have done a deduction for will have any impact on their salvage price they will receive when selling my car. Please stay away from Momentum Insure - we will be moving away from them for our other cars and houses. Bitterly disappointed in this incompetence.