Bullies!!!!!

Biggest regret is insuring my bicycle with Santum. Bunch of bullies that are rude and condescending. They have no respect for their clients and are extremely unprofessional. Instead of having a peace of mind that i have insurance that i can trust and dealing with my accident trauma of being by a car whilst cycling broad day light. For us it has been the opposite, Its been a full month of back and fourth. They are refusing to honour their terms and conditions, thats clearly stated in the policy schedule that the bike should be insured for the replacement value which i did. After my accident, they asked me to go get damage report and replacement bike value, I then went to 2 different reputable Trek dealers and they both came back with the same recommendations since my previous bike is discontinued as indicated, I submitted the report, their urgency consultant from RAW called one of the dealers asking for a discount, now because discount was refused, RAW which is santum agency, insisting on giving me a different colour bike or alternatively under paying me if i opt for cash. Ive asked numerous times how they came up or calculated this settlement amount seeing that my bike is discontinued but i still haven't gotten feedback. The only point they tried proving to me is that my previously insured bike which is now discontinued and this different colour bike they want to now offer are the same, yet the colours are different. (How is it the same if im not happy with the colour?) as per the principle of insurance, they must put me in the same position and ive sent them numerous emails proving that with this different colour bike thats not the case. My lawyer tried setting up a meeting to discuss our concerns and dissatisfaction but just like my back and fourth emails they remained rude and condescending. A lady by name of Lizanda was very rude. Bunch of bullies, either their way or nothing. Why was all this process also not explained at inception of the policy seeing that they work different to other insurance companies? They are clearly in a business of cutting costs not and placing customers in the same position and like for like principle. I was paying a monthly premium for a specified item, knowing that if something happened to it, the make might be discounted or out of stock, worse i sufficiently insured the item. They have their own external urgency called RAW, their only focus is saving Santum money by getting their own suppliers to bullying us into accepting a bicycle of their choice. During my back and fourth, they even went as far as asking me if i was cycling on the right side of the road, like they are looking for ways not to pay us, yet i was hit from behind on a road that ive been cycling on for the last 7 years and most cyclists use daily. I was also told numerous times by the claims consultants and a manager by the name of Johan that bike colour is not a big deal, so i must accept the colour their are offering me. Trek stores explained to them that colour is a big deal to us as cyclist, and it does affect pricing but they still choose to ignore that fact. In conclusion Santum RAW are bulllies. Im in a process of escalated my case on ombudsman, hopefully il get assisted and put this whole thing to bed and start with the rehabilitation process of cycling again.