ripoff

R2779 excess on a phone that is worth R5100. they tell you that you pay 30% on the insured value (R5100 in this case) if report within the first 90 days that is R1530 if i calculate. edgars charge me R2779 they say this is a payout of R6599 why if my phone is worth R5000 does it say pay R800 extra as well! edgars cannot replace the s5mini i must go get a phone to the value of 6599 but guess what no phones in edgars cna ...edcon stores is more then R3000 i queried this and they tell me the remainder will be kept for the next claim! so they not replacing my s5mini or 5000 they charging me 2779 for a phone of 3000 this is what it says. if i cancel and never claim again i paid insurance for no reason coz i basickly bought my phone of 3000 that they wanna give cash right seeing that my excess is 2779 and the phones they wanna replace no more than R3000!!! Why cant they replace my phone of give me a phone to that value or give me the money to go buy a phone elsewhere seeing that they don't have!. Or I will keep my 2779 excess and they can refund me the months of insurance I paid coz this is a ripoff. That is R149 * 4 months now!!