Settle my claim

Outsurance doesn't want to pay me the outsured value for the phone that cannot be repaired, they want to offer me less than that. For the insurer who claims to pay millions of rand in outbonus daily, surely R14K is nothing. I pay my montlhy premium without fail, but now is time for Outsurance to do the same and settle my claim but no I'm being told this and that. I was using my phone for more than just receiving calls, now with the delay in settling my claim my life is disrupted and am loosing business.