Below Value Replacement For Claims

Reference: TLK 135881 I had my Huawei P10 plus insured with Telkom from July 2018 to date. Never missed a premium debit order and have paid a total of R10 759.32 in premiums thus far. My device was insured to the value of R12500. I lost my device 2 weeks and lodged the claim. Few days later I receive correspondence stating that my claim was successful and they listed the replacement devices. The devices range between 6K and 9K in value, no where close to the value of my insured device. Furthermore Admin plus has the habit of changing policy documents so as to suite them and not the customer needs. My premiums increase, my excess increase but I'm not getting value for the money I've paid. If Admin Plus can't indemnify me the R12500, they must in the least give me a cash payout of all my premiums and I'll buy the replacement handset myself. My handset was was a flagship phone and they intend to replace it with some entry level phone that costs R6500 and I still have pay an excess amount. Make it make sense. Just pay me back my R10 759.32 in premiums to simply things. I've never been so infuriated regarding an insurance company. The complaints department is yet to resolve my query.