Bad Service

I bought a cell phone from Edgars and the phone broke down and I claimed from the insurance, Edgars told me that they do not have phones that had the same value at the time, I was advised to take another phone and top up the difference. The second phone has faults as well and now when I go claim I am being told that I am still insured for the original phone's value and the insurance was not adjusted. Nobody advised me that I was under insured and I am at risk. can somebody please sort this thing out urgently. i've been waiting for feedback for over 6 weeks now.