Finrite

Few months ago my son took his handset to Vodacom and they could not help him. I then got the phone from him when he got back from Bloemfontein as we are staying in Cape Town. I handed the phone in at vodacom repair centre Canal Walk. Finrite the insurance company thats contracted by Vodacom is telling me that my claim is been rejected due to usage,can somebody tell me how can they reject claim if the handset is with vodacom for over 3months and I'm still paying insurance on the phone? The other day when I called Finrite they send me from pillar to post and nobody could give me a straight answer.