Insurance claim declined

Iam utterly disgusted by your service all across customer experience,I had insured 2 phones with you since the start of my contracts and I had first lost both devices and claimed both, which were insured on separate policies and later claimed the other one separately as it was damaged and when I wanted to log a claim was told that I can't claim more than 3 times of which I have only claimed twice for one and once for the other device,I have been paying my premiums with no fail and I seem not to understand why Iam unable to claim for the other device,iam not happy with this kind of dishonesty and poor customer service. Please contact me as soon as possible as i would like to get this resolved, my name is Mr Altoh Rakgoale