CELLPHONE INSURANCE CLAIM NOT PAYING OUT

I have loaded cellphone insurance for my new Sony Experia Z3 Compact. (added to my vehicle insurance account). During the initial call the consulatant said the phone would be insured for a value of R5100. I know the phone costs more than that and asked if it can not be insured for a higher amount as I am worried that in the event of a claim I will get paid out less than the true replacement value of the value. The consultant said it would only be insured for R5100 but not to worry as they will find a phone for that value. I have had to put through a claim now and exactly that has happened. A consultant dealing with my claim, Nuwal, advised me I should have insured the phone for a highger amount?! Exactly what I asked the original consultant. Further salt in the wound, she said I would be paid out a voucher for some obscure cellphone store that I need to buy the phone from. She said payout would not be possible because the claim was within 1 Year. My T&Cs clearly do not indicate this at all. Overall two contradictory stories from two consultants which raises the fear of anytime a claim is put through, how much shortfall is the insurer going to leave up to the client to cough up?