Horrible service,

I insured my phone with this company on April 2014, i regret the day. The person who helped to take it out was Vinesh, he told me my Phone value was R6500 at first then later on told me it R5500 mind u it Samsung I9500 Galaxy S4 16GB. He specifically told me that i should take a cover for R6000 and I will pay R172 I agreed as per consultant advise, now that I'm claiming i have been told that i should have taken R6500 cover because that the value cover of my Phone. Now they tell me to pay R500 extra with access amount of R1100.It does not end there they told me to wait for a debit order to go off month end March so my claim with be processed, mind u since the insurance was taken i have never defaulted my payment and they now treating me like *******,asking me to pay extra on top of that. Why would i cover my phone with less the amount of it value? what the point of having and insurance where if i lost my phone I will now be told to wait a month for a claim where else i have been paying my money monthly all successful debit order, I'm so disgusted, Nadine whom i requested for a call recording from now is implying that i should have not agreed how was I to know how they insurance work