Horrible service, people and company

Honestly I'd give a negative 5 stars if I could but I can't. I bought my wife a ring valued at R26000. I then In insured it through old mutual and have been paying an installment every single month for the past year. A few weeks ago my wife and I were in a horrible accident and the car got totalled as well as the ring being lost in the accident. The funny thing is this. They insisted I insure the ring for more than it's worth which brought my installment up. I insured the ring for 26000 instead of 24000. But now when I am claiming back they are only paying for 11000????!! WHAT A ****. When insuring it they insist on insuring it for more but when we claim back then they wna make up all this damn excuses??? What a horrible service. I have never experienced such unprofessionalism and just horrible service. I insured it for 26000, I paid an installment to insure it for that amount because they insisted on it. And now when it's time to pay they refuse? They use one set of rules to make you pay more and then another set of rules to avoid paying on their side???? Horrible service. And when I tried fighting back for justice, the people I spoke to were so ruuuude!!!! Horrible insurance. And you can bet that I will go on every social platform and discredit this insurance. Horrible horrible horrible.