Discovery Insure Appalling lack of service and refusal to meet insurance contract

My insurer is Discovery Insure - and I had several items and my cellphone ****** 3 weeks ago. I lodged my claim 3 weeks ago and have had the most appalling lack of service from Discovery regarding replacing my phone which was insured with them. I phoned on average 3 to 4 times a day, emailed 4 to 5 times a day, was told different stories by different people - was told the replacement phone had been sent to me, was told my phone was not insure (which I sent proof of) I was told a team leader would phone me back, they didn't. Now I have been told they can't find a replacement phone and they are only going to give me a limited amount of money - this after I had to call them back 5 times a day. Utter contemptuous lack of service. I was now cut off a call for the 4th time this week and still have no answers