i got burgled 29th of december 2011. Burglars took all my indian jewellery, watches, laptops, consoles, cameras, etc... reported it to police and insurance. My insurance broker is Kwickfit and the underwriters are AXA. A loss adjuster visited my house on behalf of my insurance company. After taking details, pic and reciepts of what had stolen, she advised me that two seperate departments would be dealing with the items stolen. One department for electricals and the other for the jewellery. Within two weeks i was paid out for the electricals and many items were replaced . The jewellery took two weeks longer. The loss adjuster got in touch and said, because you jewellery has gone over the sum insured she will have to refer a report back to axa. I have £60000 contents cover and £19800 is valuable cover. When i took my insurance out Sept 2011 i belived that amount of cover for my valuables was more than sufficient. Lmg who valued my jewellery has told my insurance that my jewellery is valued at over £40000 at this time. No Way.... Now my insurers are telling me i have undervalued and that they may not pay me anything.. i have been a victim of burglary and they treating me like the criminal... i have been so truthful and honest... what can i do.....????? plz