Outstanding balance dispute

i had two months contract with Cell C. the package included data and minutes every month. i have paid C-cell monthly instalments until the 24 month contract end in March 2022. this contract was inclusive of insurance from Hollard. At the end of contract after 24 months i continue with contract but only paying for monthly subscription of data, minutes and insurance. July 2022 i lost my phone including the SIM card which i was getting the monthly subscription of data and minute. i then followed the process of claiming the lost phone. the claim was approve with excess fees of R3865.50 for Device valued at R12885.00. i was not happy with excess amount that i need to pay, however i made arrangement to pay this excess fees within 3 month. Within this period i was not having a Phone and SIM card where my monthly subscription are loaded to. Though Cell C call Centre i have made arrangement to suspend my account and monthly subscription including the monthly insurance premiums so that i can raise the funds to pay the excess fees to pay and get new phone. I manage to pay the excess fee and got a new phone. However C-cell has issued me with the outstanding amount of 2 567.65 for insurance premiums and monthly subscriptions that i never enjoy its benefits because my phone and SIM card where lost. and i am expected to pay the monthly premium of insurance for the device that was already claimed or reported lost.