Cell C Complaint against their warranty and insurance

Good day

I bought a phone from a cell c retailer in midrand two months back and took out insurance. The insurance was said to cover everything hence the high premiums. last week I accidentally dropped my phone in a bowl of water and immediately switched it off and contacted cell c. the phone was collected and after a week its brought back untouched and im told I should pay R4000 for it to be fixed. my question is where is the warranty and the all cover insurance that im paying? should I continue letting the debit go through with a two months old phone that's not working and pay the remaining 22 month?

Second issue I have is that during my agreement I was told that I will be paying R245 p/m and to my surprise R500 Is deducted from my account. I called cell c to which I was told this will be cancelled after three months.

Please provide me with the signed agreement and contract of this, together with the insurance documents so that I can send to my lawyer as I am not taken serious and I keep on losing valuable things as I don’t have a walking phone.

Looking forward to your assistance and response and URGENT assistance in this matter.

Regards,

Elsie Zwane contact: ********** 881