Prejudiced by Unilateral Move

My wife has been an employee for Old Mutual and enjoyed household Insurance cover since the 90s. Staff Personal Insurance Group Scheme cover had our jewelry and watches covered under household goods and when we had a claim of lost jewelry approx 12 yrs ago, we had no problem with the claim and payout. The assessor reassured us we were fully covered under household contents. Recently, my jewelry was ****** at King Shaka Airport. I reported the claim only to discover that I do not have all risk cover. The items must be ****** from the house. I was told that Staff Personal Insurance Group has been moved over to AllSure and in terms of the new policy requirements all jewelry must be specified under All Risk. This was never the case under the old policy. S***S unilaterally moved to AllSure and now not just me but I'm sure there are other employees who have been prejudiced. i am deeply disappointed by this unilateral move which has been to our detriment. Whenever anyone moves from one Insurer to another, it's always due to a better benefit. Either more perks or lower premiums. Unfortunately S***S/ Old Mutual Insure does it to benefit and enrich their shareholders, while we the client are prejudiced. Why are these conglomerates allowed to get away with enriching their shareholders at the expense of loyal clients?