worse service ever

so outsurance decided to cancel my policy with out notifying me at all....i only found out when i wanted to sumblit a claim on my bed that broke im covered for R12500 on my bed, outsurance claims department want to replace my expensive bed with a deb from deco furn which cost R2500 then they deduct the access fees of R1750. how do i then get myself a new bed, i,m utterly disappointed in this matter...i'm contemplating in taking legal action against outsurance, this is very very very dissapointning.