Day light ******* from Cell C

I have had a terrible experience with C surance and Cell C I logged a claim early in December 2017 for my iPhone 5s that was broken and they were delays in between that I have tolerated finally I was advised to pay excess recently & I did I was advised that they will provide me with a new phone only to be offered phones that are half the value of my phone!!! the purpose of insurance is put the insured in the same position as they were before. The value of my phone is currently R5,199.00 and my total installment adds up to R 7,176 excluding the insurance that I have paid for the past 16 months which is R1,904.00 & the excess that I also had to add of R570.00 so for the Total amount that I am paying you can only offer me a replacement of between R2,899-R3,299 which is pathetic!!! urgently return my damaged phone and my excess together with my premiums and also reimburse me for the time I had to remain without a phone thinking that you are attending to my claim!!!When I took that insurance I was advised that it will be for the value band of between R5,001-R7,500. Stop it with the day light *******!!!