I recently had my garage burgled, losing all my construction tools, fishing tackle and golf clubs. Reported the incident to the police and got the usual crime ref. no. Reported the incident to my insurance company and sent them an inventory of the stolen items. They have since asked for receipts for stolen items. Although I didnt hav all the receipts I senty more than enough to cover the claim. The claim is restricted to a maximum pay out. I have told the insurance company that I would prefer the items replacing but they have refused to cover the items or pay me the cash alternative. Unfortunately they will not send me this decision in writing so I am unsure what I can do. Has anyone any ideas as to my next move. I refuse to let them get away with not paying as like a lot of people I have never claimed on my contents policy and the 1st time I need it they wont pay. As usual happy to take full years payment off of me last month. ( sorry starting to sound bitter). As I say any ideas. Thanks