Kiddies tablets must be specified

I have been with outsurance for a while. And don't. Usually claim for small incidents But we had a function at home and one my kids decided to drop the kiddies tablets And I am told I can't claim because I must specify a kiddies tablet that cost a R1000. And pay additional premiums. That's ridiculous . I am asked to update my policy and add my kiddies tablets and pay extra. I am shocked at this . I must specify every small thing in my home .