INSURANCE REFUSES TO GIVE ME THE PHONE OF THE COVERED AMOUNT-EXCUSES TO REPLACE MY PHONE

HELLO PETER PLEASE ASSIST i am having a problem with Finrite telkom insurance. I had insured Huawei P10 lite and now i lost the phone and P10 lite is no longer in the market. The contract says if i loose the device it will be replaced with the same make/model and should the insured device no longer be available then it will be replaced with model of similar specification and value. I'm paying R83 i will be covered with R5000. On the 11/09/2019 i received device Huawei Y7 pro without any communication since the insured device is no longer available thought i will be called and given option for device of R5000 but nothing. When i enquire with them as to what happened to the cover of R5000 because the device that they sent is R2530.00 ,they said the retail price and insurance price are not the same. Now my question is why they don't tell us or advise consultant at telkom to tell us as customers that there is insurance price and retails price because at telkom they said i will be covered with device of R5000 they don't say anything about insurance and retail prices.