Breach of contract ( Overcharged excess fee)

Dear Sir/Madame<br> I bought a phone of a value of R2000 of which the monthly premium was R49 and the excess of R200 upon the first claim, R400 upon the second claim and R600 upon the second claim. I still have the premium price scale that I got from the store.The phone was unfortunately, I reported at the Randburg store, manager Kgotso was very professional, he assisted in every single step. The claim was approved with a shocking excess of R800. I called finrite, the consultant Mphumi Netshiavha said that the claim was indeed approved with an excess of R800 and there is nothing she can do. I told her to update my excess to R200 as per our contract but she didn't.The problem is that I need a phone urgently and I've signed up to pay R200 for my excess, I can't wait any longer since I've waited for more than a week prior for this claim to be approved and I'm only going to pay the excess that I signed up for. Please assist.