REPLACING WITH A VALUELESS DEVICE????????? DAYLIGHT ******S ?????????

I have been ensured with this company for years not claiming for any devices, if I can recall in the past 8 years I submitted one claim for an I phone repairs.

This week I submitted a claim for an I phone which was ensured for almost 18K . The team leader ,Jabu Buthelezi ( who could not even spell my name right ) informed me I will get a phone worth 5K. How does this work???? I requested they send me the invoice of the replacement device for me to compare with my contract and they refused

I should mentioned that since I took the insurance, their representative had called me in numerous occasion to increase the value of the insured device and premium as it was under ensured. At first I was against it knowing that when a new device is launched , the value of my device will go down !!!!so what will be the reason to increase my premium and device value??????? .After I was informed that when I do claim I will get the latest phone on the market. I agreed and they INCREASED my premium and the device value.

Today they are offering me a valueless device?????????????? They robed me off money all these years for a valueless device ?????