Discovery Insure does not cover claims and finds excuses

I am a Discovery Insure client, with two cars and household contents insured on the policy (with portable items). I lost my iPhone 13 Pro Max on 30 September 2022. I submitted my insurance claim immediately.

Discovery insure cannot replace my phone because my profile shows a iPhone 12 Pro. This phone was damaged, and Discovery Insure took it in and replaced it with the iPhone 13 Pro Max. Now they say the phone is not covered because I did not update Discovery Insure that Discovery Insure took my phone and Discovery Insure gave me a new one. This only comes to light conveniently now when it is time to claim - each month I was paying an insurance premium for a phone that is in their possession.

I am planning to leave Discovery Insure for an insurance company that will give me better treatment, and not come up with excuses when it is time to cover me