SANTAM and MTN robbing people with their cellphone insurance claws

I took out a policy with you guys over a year ago when I bought my 2 phones, understanding their value I knew I had to insure them. on the 5th of November I left my phone in my locked work drawer and upon my return to my station it was broken and my phone ******, and to my surprise I was rejected and the reason is that I left my phone unattended the loss is as a result of my negligence, It cannot be how is that possible its like telling someone who left their home locked and they find it broken into and their belongings missing that, that is their fault, how and why are you people robbing us of our money every month and when you have to pay out you cheat us of our money. I need a response from Sanlam you are underwriting MTN cellphone contracts and as such I need an answer to this. If you cannot please refer me to the relevant OMBUDS that will help me resolve this matter. I ready my contract and I knew what the exclusions were and this was not a part of them.