Insurance claim declined

Hi<br> I recently was a victim of a house break in on the 04.02.15.<br> Jewellery to the value of approximately 12-15 000 and 2 cellphones and a samsung 10inch tablet were ******.<br> I have insurance on the cellphone, when i reported the devices ******, and lodged a claim, i was told it was declined due tot he sim not being in the phone at the time of theft. I do understand there are policies to adhere to. But my reason for this was the battery was giving us endless problems. I sent an e-mail to dispute this yesterday, to date no response, i was told it takes 24 hours to respond, 24 hours have gone. I am utterly disgusted in the service, i have been through a very traumatic experience and now i must still pay for devices that are no longer in my possession, I totally disagree with this, the ****ty country we live in with all the crime, poilicies should be re-looked at. which means that i have no paid insurance for no reason, it's all about a money making scheme. I mean, 4 devices with vodacom and this is the service i receive. I work in a customer services environment and we go all out to please our customers, even if it means making exceptions at times.