Extras insured but not being paid out

I had an accident with my vehicle, Santam wrote it off, paid the bank some money, had to fight to get them to pay the exgratia and don't get the extras I have insured paid back to me. All was on email, my vehicle to be insured for correct amount (Santam nsured it under wrong code) but at least paid exgratia. I had extras insured on my vehicle - they dont want to pay that out - broker even telling me I lie and do not know what I bought - I even let the dealer send Santam emails and invoices of extras that I put on my vehicle - but still they dont want to pay as they say it is standard on my vehicle - Really.......... isn't there anybody or place in Namibia where I can go to settle this ? Why must I specify extras to be insured on my vehicle and then they don't pay it out, or don't want me to take the extras back (off my vehicle). I really need this solved - been at Santam for more then 3 years - this was my first vehicle claim Not used to such bad service from brokers or Santam !!!