Overcharges & misleading

I am a long-standing Customer of A&G-I pay premiums religiously, & have made very few claims in my 5yrs. When insuring my iPhone5 (2 yrs ago) the value was est. at +-R10k. Evry yr A&G have hiked the value (thus my premiums) to insure this depreciating(!)asset,resulting in me paying toward a \value"of more than R12k. When I called today I was told the value is now R6k - thus I have been paying for 2 Phones. I said I want the cash instead -thus the value of a device which is commensurate with the handset I have I have been contributing toward. I was told this isnt possible. When I escalated my query to Hussain"