Non disclosure of vital information

My cellphone was ****** / lost. I insured the phone on the 16th of January 2019. They did not tell me about the pro rata fee but i paid the amount of R311,00 after being told that i would just need to pay R200 a month. My phone got ****** on the 23rd fof February 2019. When i wanted to claim they told me that becuase i haven't been insured for 3 months they can't pay out the claim. They did not tell me this when starting the insurance which is not fair. I took look at the contract and still nothing. I took this insurance out at the Standard bank Simmons street the vodacom store. For people out there please be sure as to what the terms and conditions are because the sales "experts" have a tendancy to leave out that kind of information Cell Sure thanks for nothing.