Disgusted by Discovery insure's poor service and *********** staff.

This is really disgusting service. I pay R1283.03 every month to Discovery for my house and car insurance. This morning I accidently stepped on my cellphobe and the screen broke. I tried to do a claim on the discovery app and it kicks me back to the main menu of this app. The claim feature is not even accessable for me on their website. For some reason I dont even have access to my policy online, but when i phone them and give my policy number or my id number it says my policy is active. Back to why im writing this review. I accidently stepped on my phone tis morning. After a long unproductive morning to do the claim myself I Phoned them and was told I cannot claim my cellphone. The day I took out the insurance with discovery I was told that DO NOT HAVE TO specify my cellphobe under my house insurance and that I can just claim it under my house insurance. Today when I need it. Im told I cannot claim as my cellphone is IT IS NOT SPECIFIED. Im disgusted with discoveries services as they do not do as they tell the customers what they will do. So im without a cellphone as I need it for my work and are not able to buy myself a new cellphone. What am I suppose to do now????