Phone insurance

WORST INSURANCE EXPERIENCE EVER! I've been with them from 2014 to present. My phone screen got damaged and when I claimed it was declined due to the wrong sim card being in the phone, I fixed the phone myself then insured 2 sim cards on the device. Later on my phone was ******, I put the claim through and I'm waiting 6 months for a new phone!!! I've been paying my premium for over 6 years but the service is pathetic! I've chosen over 6 phones and every time I choose a phone they tell me it's out of stock but they gave me the option of the phone. Now after months they said they made a mistake and I can't choose the phone I want if i do I must pay a difference! LIKE REALLY AFTER 6 MONTHS!!! I'm still waiting for my Samsung A72 but all the time there is no stock. Now I'm being offered a Samsung A32 how is that the same phone compared to the Samsung A72 ? My phone was insured for R14000 and they want to pay me R5500 as a cash settlement lol LIKE REALLY GUYS! I've paid the same premium for 6 years when u was taking my money it was all good but now you treat a loyal customer so bad! I'm very disappointed with the service.