Fitrite/Mutual & Fed Insurance does'nt want to pay

I insured my contract cellphone hand set (instrument) and sim card separately (charged separately) with the same insurance company through Autopage. I lost my cellphone and today I am told that insurance may not pay because I used a different sim card on the instrument and not the contract sim card. The clause is read to me by Carl today and was not brought to my attention when I renewed my contract and took out the insurance. Also what does not make sense is that will I be that stupid to take two separate insurance and pay two separate premiums if I know that I am not allowed to use another sim card on the contract phone. Why will there be two separate insurance contract for sim card and instrument if you cannot change sim card or instruments. Surely it is practically impossible to have instrument sitting someone and insured sim card somewhere else. Fitrite/ Mutual &amp