Monarch insurance is a ****

I lost my laptop on my way from Johannesburg to Middelburg in a taxi. My laptop was sitting on the fooor new to me in a laptop bag. I took a nap and when I woke up since I was at Middelburg taxi rank I noticed that my laptop was gone. I was sitting new to two men and when I asked the driver where they got off he told me at Dros. The other passenger said they were holding a bag which could have been mine based on the description i gave. I explained to Monarch Insurance under Lewis stores and even wrote an affidavit with a case number that my laptop was ****** and explained. They declined my claim on mysterious circumstances. What mysterious circumstances because my laptop was ******. I even opened a case but they still declined my claim. I’m going to report this issue to the ombudsman because no where in my contract does it state that my claim will be declined based off mysterious circumstances? Please do not buy from Lewis stores. Your claim will be denied based off something you cannot control.