Poor insurance

Good day

I would like to share this story regarding Santam Insurance. I am insured with Santam my household items, my house building, 2 vehicles and my stepson hearing aids. On Monday 22 August 2022 my **** was at my house busy working at my back room i have a glass sliding door, the **** was outside and saw 3 men pull up with a white Toyota corolla. She then ran into the house and locked the fastest way possible the sliding glass door then she went to hide away. The 3 men broke my driveway gate open and then broke the lock off the glass door and gained entry into my house. They stole 2 television sets all our jewellery the stepson Xbox my vehicle spare keys my laptop and my robot floor sweeper. My wife then had all the relevant people there and a locksmith was called out to my house to replace the locks and we paid cash for that and handed the insurance the slip we still waiting payment for that. I had to order a new key for my vehicle and send it to Hyundai for decoding and coding. That cost me R5500 whereby the insurance only paid out R3500. We then made a case at the local SAPS of Meyerton got the case number and then submitted an insurance claim for all the house hold goods that was ******, after a week they have sent out an assessor to my premises she took photos of everything where it had happened. She had submitted her report to Santam insurance. After another week gone past the insurance sent us an outcome regarding our claim, they said that they are not going to pay out for our loss due to there was no safety gate installed at the glass sliding door. My thing is that even if there was a safety gate my **** ran and locked the fastest door fearing for her life. My insurance premium is almost R5000pm so now I must just carry that loss. I am also going to lodge a complaint against Santam insurance. I have been paying that amount for years now so what do they do with the people's money if they don't pay out peoples claims. I have even supp**** the insurance with camera and video footage of the burglars that I have received from my neighbour's camera system and still don't want to do anything. At a stage we did not have the funds to put up a safety gate at the sliding glass door so feels like they are also discriminating against us. Thank you for listning to my story hope it maybe there is something that can be done regarding this.

Thank you