Refuse to pay out replacement value

On Monday the 11th of July I put in a claim for my cell phone, a Huawei mate 20 Pro. It took a week for my phone to be collected and taken in for repairs. 3 days later the claim was updated to repaired. Except it was not. The phone was valued at R12 999 in April by the accessor who evaluated our house contents. The prices varied between R11 499 and R13 999 at the various stores that sell cell phones. The first problem was that after a few days we were informed by Tshepo Mohatle that we would be paid out the replacement value of R7 849 for the cell phone. At this stage, I asked my broker to assist, and it took Tshepo a week to inform him that the valuation comes from a wholesaler used by discovery. Of course, private individuals are not able to buy products from this wholesaler. Now what? On Monday the 15th it is already 5 weeks from when the claim is lodged, and I still have no phone. Tshepo is most probably one of the worst insurance consultants that I have had the displeasure of dealing with. He never responds to emails or returns calls. What a joke. I want to thank Christiaan from Pepco brokers for all his assistance and for keeping me sane My biggest concern is that after being at Outsurance for 18 years without any claim problems, I was convinced to move my insurance to Discovery and then I must deal with this ridiculous treatment by Tshepo and Discovery Insure. My concern is that if I have additional claims, it will take over 5 weeks and still not get resolved. At the end of the story, I have now bought a Phone for under R7 800. Obviously not the same quality that I had. The moral of the story, Discovery insure does not replace items at replacement value. I want to thank Christiaan from Pepco brokers for all his assistance and for keeping me sane. If it was not for him, I would move my insurance back to Discovery