LONG OVERDUE PAYMENT OF INSURANCE CLAIM

I submitted my claim for a cover I have with the Unlimited last year (20150 in June, after my son's death. The Unlimited are yet to make the payment. After making several follow ups I was told that I failed to submit a certified post mortem report. I went to the Lentegeur Police Station, where I was told to inform the insurer, The Unlimited, to follow the normal procedure in applying for the post mortem and making payment for issuing of the said post mortem. The Unlimited have stalled the claim process laying the blame on me, knowing very well they are supposed to make the application with a payment for the issue of the post mortem. Burying my son was the most painful experience with an added on stress of an insurer not paying a claim for something they failed to do. My niece has tried making calls to the insurers and have been promised that they call me. to this day no one has called me. I have wasted money I don't have in making long calls to these people and what is worse is that I am unemployed. I have resorted to reporting this matter to the Financial Ombudsman for intervention.