Claim not paid 6 months after hijack

In October 2023 I got hijacked and I logged a claim with my then insurance (Affinity Insurance) the claim was referred to AAA Claims company and was handled by (Thabile Khaba), who did the assessment and approved me for R167 000.00 which I rejected, I was advised of the following Excess(s). A. Basic Motor Excess payable in the event of fire, accident, theft, or hi-jacking Private Use. 5% of claim minimum R 5000.00 E. Motor additional: Accident between 9PM and 4AM 25% of claim minimum R 10 000.00 Keeping in mind the above additional excess talks about accident and I was hijacked, I was not involved in an accident. I disputed the offer and I was given excuses the matter ended up being referred to Ombuds. Later a consultant by the name (Brandon Olinger) sent me another offer of R107000.00 dated Fri, Mar 15, 3:42 PM when I question where does the offer come from and what other excess was added, I received no response, its been a month of me trying to get information on how was the offer was calculated, I logged a complaint with Affinity insurance and no feedback no communication received nothing from this companies, its been 6 months since I got hijacked and still paying my monthly premium, but I had insurance that was supposed to be looking after me in such cases.

the service at both AAA Claims Company & Affinity Insurance is a disgrace