Not honoring contract

<p>I Took out an insurance contract on my iPhone 6S 128GB in 2016 to replace if ****** or lost and for repairs.</p> <p>The contract stated to replace the device if it was not proven to be neglegence.</p> <p>They are now backing out saying the iphone has been discontinued and lost value so they will pay me out a portion of the value.</p> <p>Any other reasonable insurance company, be it for a TV or whatever, gives you the same replacement device or if that specific device is not avialble anymore they give you a better device.</p> <p> </p> <p>I want them to replace my iPhone 6S 128GB as we agreed when I took th epolicy.</p> <p><br />I sent the device in for repairs some time after taking the policy. I waited for some time before I was given a call to pay some outrages excess amount. They said its because I did not take out th einsurance immediately when i received the new handset. <br />None of this was mentioned in the phone activated contract. I had a drawn out email fight for a few months and asking for the voice recording to prove those conditions were discussed. Nothing. Then they agreed the actual discussed excess amount, which I immediately paid. Only AFTER I paid money over did they come with all stories of suppliers not having stock of my iPhone 6S 128GB handset and they would be prepared to give me a Samsung S6 or some other cheapy handset.<br />I checked and found suppliers like iStore with stock of the devices. When I informed they they said they dont deal with iStore. I then gave up the fight after 7 months of still paying my contracted amount for an iPhone I did not have and their insurance premuim, and said I would accept one of the other devices. Then we went back to the loop of their management having to approve it and still after two weeks not a peep. In short the time scale goes:</p> <p>a. 15 September 2016, Hand my phone in at Cell C Eastrand Mall for repairs to a cracked screen.</p> <p>b. 30 November - After having no feedback and contacting CellC via FB chat, they refered me to lease with Nancy at Finrite.</p> <p>c. 1 December - fighting about the excess fee of R7000 which was never discussed. I request the voice recording.</p> <p>d. 5 December - after another request about what's happening, I get informed the voice recording was requested and takes 7 days to be delivered.</p> <p>e. No contact after numerous emails.</p> <p>f. 8 March 2017. I resend my claim to Natasha at Finrite. The entire loop restarts.</p> <p>g. 11-13 March. again after rejecting the R7000 excess, the voice recordings are requested and we have to wait 7 days. No response or no copy of the voice recordings. available handsets. they dont care where you can find them. If they say its not available, its not available.</p> <p>h. 22 March. Still waiting for managent to approve since the 12th.</p> <p>i. 27 March still nothing.</p>