Refuses to fulfill insurance replacment.

So we took a contact with vodacom in 2018 along with it we took insurance. The contract ended in 2020. The month it ended we noticed money was not deducted from our account for the insurance when we quried it we was told that insurance automatically ends aswel so we asked them to continue with the insurance, they told us we need to redo the process of filling out forms etc with them. (Finerite) so we did exactly as they instructed excpet this time our monthly payment was higher then previously when reading through the paperwork we saw that the insurance amount was abit higher therefore higher montly payments, so we asked the agents at finrite about this and they insisted thats how it has to be...so we listened to them filled out the forms and emailed it to finrite. We kept contacting them to find out if everything is sorted and they said yes the insurance is activated....however a month or two later we noticed money wasnt been taken out for the insurance so we contact them to *** was told they having issues with there bank specifically the debit part so they asked us to do manual payment and provided us with banking details. We did as they said and made payment for almost a year and unfortunately our house was ****** and phones amongst other items taken. So we claimed however finrite then tells us we dont have insurance with them. When we explained we do and showed them the banking payments made and emails which show the conversations had in regards to the insurance they then apologised and said the bank the money was going into was no longer available to them and they sorry we wasnt notified and they will refund us the money that was paid towards our insurance. So we didnt except that as it was an issue on there side we didnt breach the contract in any way...evenutally they resolved the issue however they now refuse to pay the full amount of the insurance that was taken. They now say us that we cannot be paid more then what our phone was worth although the paperwork filled out was for more and was done by there agents who insisted by us thats correct and how it should be. Feels like a breach of contract by finrite. Further more its been over a month now we are stuck without a phone. These guys are just plain down pathetic.