reported claim 30 days after accident

I didn't read my contract about 30 days to report the damage. The issue is i report late and i was asked about the dates and didn't lie about it and i was not told by the agent that i was late because it was over 30 days. I spoke to Emily and the other person before her and they never mentioned the 30 days period. Emily had no problem with those dates and told i should check the approval next day and i didn't. I called again today only to be told: firstly the store took long to report it and change to you took long to report it. The phone was damaged when my son was attached by group of boys which he knows and refused to report to police and only went hospital. I tried to report it but they need him to open a case and not me. The phone purchase price was R999, is not lost but damaged. Finrite is asking me to go back to back to hospital which will take me a day or two off from work and request medical file as a motivation for the claim. I did not report in time because my son was in hospital and a phone was not the priority by the time. I have two phone insured with the same company and will terminate the contract immediately. They will never call u only messages on saturdays