I will not pay for something that wasnt my fault

I dealt with Nancy Ndebele from Finrite regards to the claim I had on the insurance for them to replace my phone she said she will revert back to me with feedback.feedback was received and send from Buhle from Finrite saying the claim was declined<br> <br> Good day <br> <br> Trust all is well <br> <br> Please be advised that claim was escalated to our underwriters and we have received feedback.<br> Please note that your claim has been declined by the underwriters . I am not happy with this as I am still paying for the insurance so I want this sorted out.