Incredible Connection & Abacus Ripped me off

When I bought the phone same as how I bought the TV, I was advised the devices can’t leave the outlet without the insurance of which I was forced into taking these insurances, now when I have to claim I’m being told I don’t have the insurance?

I bought the TV in 2020 with HI-FI Corp, it was paid off long ago, I bought the phone in December 2022 with Incredible Connection same way I bought the TV, but i am being told it doesn’t have insurance? so what am I paying for? WOW

I want to claim for the ****** phone and now they are telling me the only thing insured is the TV and not the phone, I tried calling the store I was told the manager is busy in the storeroom, not sure if that so called manager is a storeroom manager or store manager I don't know.

My iPhone is only 8 months old; TV is 3 years old, make that make sense.