Consumer Redressal

I gave transportation contract to them from Kolkata to Delhi and insured it with them itself by paying 3% of IDV. I was promised that my 6 valuable items would be sent in wooden packing but even after charging for the same they packed only 2 small items in wood packing. Further if any case arises they would immediately reimburse claim on IDV basis. Its been 3 months now since claim arose, they destroyed my fridge, Microwave, Washing machine and a painting total worth INR 53000 as per IDV and now they offer me INR 3000 without explaining how they arrived at the amount. Please help me in settling the claim and getting my money back from them. I have been harrassed for last 2.5 months by them.