False advertising

I have submitted a claim for cash insurance for a Sony xperia Xa1 ultra in October.

The claim was approved but i was offered the same which the current market value is R3500 and no longer what i had bought it for which is R8000. How do i get replace with a cellphone which is within a lower band whereas im paying R170 for insurance.

The claim has been escalated since the 18th of October. I was told to wait 7 to 14 day but still i call every week and theres no response. Yet on the 25 they debit but still no phone. Im being taken for a ride. The team leader of the call center Petunia submitted the escalation but now wont even speak to me instead tells her agents to tell me that theres nothing they can do.