SBIB refuse to honor claim - continued delays

Insured through Standard Bank Insurance. House burgled 09 May 2014. <br> Claim lodged same day telephonically then by mail later. <br> SBIB undercut payout on specified jewelry by up to 42% despite having accepted independent valuation, setting the premium on supp**** values, being paid said premium. Telephonic claim their poor service as a result insurance not being primary business. Claim that they do not insure for workmanship for charms on charm bracelet and insure for \weight only". Want to use jeweller who quoted replacement sight unseen (despite being offered images sent to ombudsman). <br> Demand we use their \""preferred suppliers\"" despite our reservations regarding SBIB's bad faith practise and lack of integrity in dealing with this matter. We have found alternatives and will deal with them directly. Already reduced claim payout proceeds but demand we use their suppliers rather than settle in cash. <br> Accused us of attempting to enrich ourselves whilst lowering the settlement amounts"