Cellphone Claim Dispute

I’m very dissatisfied and disappointed at their claims department. I lost my phone two weeks back. I logged a claim, followed all their process and provided all requested documentation.

Now that they have to pay the claims department insist on replacing me with the same phone, 2017 phone, and I’m telling them that I need ant a different phone not exceeding the value as per my policy schedule and they are refusing.

I’m actually going to take this to the Short-Term Insurance Ombudsman.