CELL PHONE INSURANCE

MY CELL PHONE , I PHONE 6 SCREEN WAS DAMAGED , SENT TO THE VODACOM SHOP TO BE REPAIRED , SERVICE REPORT CONFIRMS PHONE NOT REPAIRABLE.CELL SURE APPROVED THE CLAIM HOWEVER REQUIRE ME TO PAY AN EXCESS OF R2800.00.MY CELL PHONE CONTRACT HAS INSURANCE AND I HAVE TAKEN AN EXCESS BUSTER WHICH COVER THE EXCESS AND ANY OTHER COST ASSIOCIATED.CELL SURE CLAIMS THAT THERE IS NO COVER FOR THIS HOWEVER WHEN I VIEW MY BILL , THEY HAVE BEEN DEDUCTING A MONTHLY PREMIUM FOR THE EXCESS BUSTER.ALTHOUGH THEY HAVE DESPUTED THIS , THEY STILL CONTINUE TO DEDUCT THE PREMIUM FOR THE EXCESS BUSTER.I DO NOT HAVE A CELL PHONE FOR 2 MONTHS NOW , THRYING TO RESOLVE THIS ISSUE.THEY ARE NOT INTERESTED AND DONT WANT TO RELEASE A NEW PHONE UNLESS I PAY THE EXCESS OF R2800.00 ...CAN HELLOPETER ASSIST IN RESOLVING MY ISSUE.