Not sure what callsure insures

<p>My LG G4 recently fell flat on it's face and cracked it's screen... as smartphones tend to do. Luckily I have insurance.... o wait... seems that I'm mistaken. I logged a repair with callsure, they came to pick up my phone. 1 and a half week later... still no feedback. I gave callsure a call, apparently the phone is beyond economic repair and they will replace. Now this is fine, except that they want to replace my insured LG G4 with a less expensive phone i.e galaxy Advanced or a LG G3. It costs R2000 to repair the screen, but its more economical to replace it with a R6000 smartphone. also no contact has been made with me regarding this. I had to call callsure to find this out about a wek after the no repair decision has been made.</p> <p> </p> <p>Also the Insured device.. an LG G4 currently retails for around R8000-R10000. To replace this phone with a R6000 model, or it's previus revision the LG G3. Is not acceptable.</p> <p> </p>