CNA cellphone insurance - No replacement item for your Payout value.

Hello I have had cellphone insurance with CNA for more than a year. I do understand that they are the "middle man" with the insurers.

However, i did have a claim last month - that was approved by the Insurers for an amount of R8000.00 (as per my policy cover) However, upon visiting 2 different CNA and edgars stores - i found that there is no cellphone for this amount.

Basically - the consultant at CNA said that if i take a phone less than R8000 - (eg R5000) i loose out on the difference. and that they have no phones to the payout value. Further more, i am only allowed to purchase 1 item - so not even 2 phones amounting to the R8000 will be accepted.

Upon numerous calls and complaints - i was told that there was nothing that could be done - as there stores stopped stocking cellphones with such a high value... Even laptops were not in that price range.

I do not understand why they even offer cell phone insurance up to a maximum of R8000 - if they have nothing in stock.

Please could someone advise how i could get my value of R8000 from a region of stores that have nothing to that value - and i am "not allowed" to subsequently purchase more than 1 product. Which then leads me to believe that i have been paying a R149 premium - charged to my account - for the past 12 months for nothing....