Don't trust OLD MUTUAL Insurance

After taking over my exisiting home insurance policy from another provider (Old Mutual had sight of the detailed policy schedule and terms), now when lodging a claim against a forced entry burgalry and theft, all of a sudden Old Mutual claim that they did not include theft in my policy. Nowhere in the ploicy document does it state that theft is excluded. They just make up the rules after the claim. This is not acceptable, once again Insurance refuses to pay out. Why would they even offer a home contents insurance without theft? I think its an excuse for their own corporate wastage of customers contributions!