finrite is useless and ****ing clients

finrite is **** .I insured the phone with them and lost the phone that was worth R4599 and they paid the claim of the same amount ,now the problem is that there's no phone for the amount of R4600 within TFG stores at the moment and they not allowing me to top up so I can get a phone I want .they want me to get a phone for less amount and forfeit the difference while still have to pay an excess of R500 .I feel this Is ******* cause its not my fault that they dnt have phones for the amount I'm covered for .when I spoke to Charlene at Finrite she called the store to check if there's not phone for R4599 and she was told that there's none but still she doesn't want to give permission for top up ,now she doesn't wanna take my calls .I then spoke to useless Florrie who put me on hold for 45 min so I can drop the call cause she couldn't help me