Unpaid claim

l use to hear people complaining about insurance companies always looking for a way of not paying insurance claim, l am now experiencing that with C surance underwritten Hollard. l signed up for a 24 months contract with Cell c, then l took up an insurance for the device. When the contract ended l upgraded to a new device, but l kept the insurance with my old device because l felt it's got a bigger internal memory. Neither C surance nor Cell C adviced me to move my insurance to a new device. C surance has been collecting my money all this time. l lost my phone, l reported the matter and completed all required documents. Now l'm being told that my claim will be rejected because l did not have the simcard inside that ****** phone, regardless of my positive monthly contributions. Why is it that insurance companies are always looking for that one reason to reject the claim. l am so done with Cell C l don't want anything to do with them.