Request For Review of Settlement Offer inline with the contract

I have submitted the claim for total loss for hijacking and the settlement offered is well below the retail price as committed on the inception, I have since requested the recording of the call on the inception of the contract so can approach my legal representative to settle the matter Outsurance are refusing with the recording. I am so disappointed after so many year with the company and cannot resolve the matter speedily. The consultant (Ronel) has no integrity and honesty, while the other consultant Cole called me on numerous occasions telling me lies, so pathetic.