****** Poor Customer service

I bought a phone from Edgars 18 April 2015 at Edgar's West gate then took insurance , was told I will receive my contract within 30 days of which yes I did receive and it states that 1st claim is R200 then 2second claim Occurring within 12 consecutive months of the 1st Claim R400.00 then 3rd claim Occurring within 12 consecutive months of the 1st claim R600 and my phone is covered for R2000.00 since I bought it for R1500.00 now I am told that I have to pay R510.00 on my 1st claim because I lost it not longer than 3 months but they did not state on my contract and my phone approved for R1100.00 , when I ask for answerers they send me from pillar to post , I am totally un-happy and this is not fair I am not given full information I have been waiting since 13 April up until to date , keep calling them told they still waiting for Edgar's to come back to me .