Cellphone Insurance claim

Hi<br> I'm writing this complain with a very saddened heart due to the fact that I had thought that when 1 takes out an insurance on their belongings it provides ease of mind & peace, however this wasn't the case for me. I had recently lost a cellphone that I have been paying insurance on for over 4 years, which was a Blackberry 9300 smartphone. Upon submitting my claim & all the necessary documents pertaining to the claim, I was perplexed to receive a response informing me that my claim was processed & approved, but the CATCH was that I have to pay an excess amount of 500 in order to obtain a discontinued Blackberry 9320 smartphone. This was a slap in my face as I fail to understand why would I be paying insurance monthly for 4 yrs only to be replaced with a discontinued phone. I've been calling & emailing Noviwe but to no avail & no alternative way was advised of me to follow in ensuring that I get the service I deserve & my monies worth. This is very appalling & unprofessional, I'm now at a point where I feel I just have to cancel the insurance & claim all my premiums back.