My Company supplied car was broken into my Radar Detector was stolen. Third time in 11 years this has happened.

I made a claim against my contents policy. My insurance company had previously paid out on the other identical claims in 2009 & 2016.

I couldn't remember which policy, contents or vehicle to claim against, so I did their online chat and they told me contents and I was covered. I then saved the chat transcript.

When I made the claim, they called me to declined it.

I asked to speak to someone as high up as I could. She said 2009 & 2016 was accepted in error. The person on the online chat was wrong to say they would accept my claim.

She then quoted the reason as it was an accessory.

Now a direct quote from my policy...

"Contents covered for present value. Parts & accessories of motor vehicles, motorcycles, motor scooters (other than mobility scooters), trailers and caravans that are not in them or attached to them"

Also....

"Accidental loss. You're covered for sudden & accidental loss to the contents if the loss happens during the period of cover while the contents are in the home or temporarily removed from the home for use anywhere else in New Zealand" 

They were lost to me because they were nicked.

Am I reading these clauses wrong?

Where do I stand and what are my options to pursue?

TIA.