Edcon Device Insurance

Took up cellphone insurance at Edgars. I had a house burglary on the 16th of May. Sent in my claim only to be told I need to pay excess which wasn't in the initial contract. I was told they changed their policies and they didn't inform me. I paid the excess on the 22nd. Since then I have been calling only to find out they have also changed their voucher policy I have 3 options to choose from what they have. I have following up I was told that my cell phone was released for delivery 29 May I should wait 7 days. 7 days passed no call not communication when I followed up I was told they called and I wasn't available and I didn't not miss a call. I called 11 June I was told they will follow up with the supplier on the 12th I was told that the supplier doesn't have the fone ordered. I feel I have been made a fool. I was told the fone was out for delivery on the 29th and today told the product is not in stock. I was asked to chose another one. Which will take another 7 days. I feel this is day light *******. I have been without a reliable fone for almost a month and these people are ***** and insensitive. I am asking myself how it has benefited me to pay this insurance monthly when I will be more inconvenienced.