Sorry to hear this shit, @Sako85. Old story; fucked over by the thieving bastards, then screwed by the insurance company you've paid a ransom to, in advance.
Most of them seem to offer "like for like" replacement, or cash equivalent payout. Legal theft. I think you need to speak to a specialist lawyer and go over your policy. But based on my experience, you're just double-fukt.
Bookmarks