R5100 phone insured axcess is R2700

so i insured a phone at cna s5mini i paid 5100 for it - they insured if for 40pm instead of 149pm ( not my problem but i had to pay back the differnce R327.00 for 3 months but they say i only paid 2 months before claim) so after 3 months today waiting on claim i have to pay R2700+ excess on a phone that is worth R5100. i might as well buy a phone cash again. they tell you that you pay 30% on the insured value (R5100 in this case) if report within the first 90 days that is R1530 if i calculate. edgars charge me R2779 they say this is a payout of R6599 why if my phone is worth R5000 does it say pay R800 extra as well! there is more edgars cannot replace the s5mini i must go get a phone to the value of 6599 but guess what no phones in edgars cna ...edcon stores is more then R3000 i queried this and they tell me the remainder will be kept for the next claim! so they not replacing my s5mimi they charging me 2779 for a phone of 3000 this is what it says. if i cancel and never claim again i paid insurance for no reason coz i basickly bought my phone of 3000 that they wanna give cash right seeing that my excess is 2779 and the phones they wanna replace is 3000!!! **** or a ripoff!!