Unhappy with the attitude of Santam iro claim

On the 6th of June 2017 I relocated permanently from my place of residence to Stellenbosch. I contacted my broker and enquired if I it is advisable to arrange special cover for my household goods whilst being transported to my new residence. He informed me that I would enjoy automatic cover in terms of my existing policy with Santam. The cover would however be restricted to – loss of or damage to the goods being transported and that the policy would only cover – the damage to the household goods being transported if the loss follows - theft, collision and overturning of the vehicle whilst I am in the process of moving my household goods to the new address. I was very happy with the cover which my policy automatically provided. I proceeded the arrange the transportation and as a precautionary measure I loaded my special household goods in my own vehicle and we commenced this leg of the journey. On route near Paarl on the N1 pedestrian run in front of the vehicle. I order to avoid hitting the person evasive action was taken. The vehicle spun out of control and overturned. I submitted a claim to my insurer. They repudiated the claim because I had transported my own goods. They sited the reason for the repudiation as that I should have had my goods transported by a professional contractor. I read and studied my policy and it is clear to me that I had acted in terms of my policy conditions. I have also as a last resort obtained legal opinion and a letter was written and sent by the attorney to Santam. Santam, notwithstanding every method I have exploited to get my claim settled have remained adamant that they maintain the view that I had acted out of the scope of cover provided by my policy. I am very unhappy with the attitude of Santam. I am of the opinion that they are short sighted and it is very likely that if I am treated in this manner it is quite possible other people may be treated I a similar manner. I hope you see your way open to assist me in placing my grievance ant to get them to approach the matter logically and in the true spirit and interpretation of cover as stipulated in my policy.