Worst insurance company

I was ****** in January they took my phone and wallet did an insurance claim for my phone they called asked for documents sent everything through on 7th February sent follow up email to be advised I was sent an invoice which when to my junk mail and was charged for shortfall of R1000 and excess fee of R600 went back to my insurance documents and shortfalls falls under repairs sent email to where I received invoice SSS cellular and they advised I should asked Admin plus about the shortfall. Emailed adminplus and was assisted by Marcel Leo in claims had back and forth emails that I need to pay that amount asked why and attached copy of my insurance which only states I need to pay 10%excess shortfalls is for repairs or excessive claim and I have no outstanding on this insurance to pay shortfalls asked to speak to get a manager to call me twice on email he ignored me and asked him which phone are they replacing me with coz I could understand if I’m pay for a different for which cost more then the one I had only to find out I need to R1600 for the same phone I had asked him for manager to call me he ignored my email called admin plus spoke to ibrahim in customer service who told me he can’t get me manager and I need to speak to Marcel because his the only person who can assist and they system are not the same and can’t get any manager to assist me he would tell Marcel to contact me bk asked for the complaints email address sent an email on the 7th feb and still have not received any call back from manager or response from the complaints department.