****** phone

I am very disappointed to Finrite insurance. My phone got ****** then I called Vodacom to blocked my phone, they blocked it and told me that I should go to the store where i bought my phone. The next day I have done just as I was told, when i got there and told my story to the manager he was very helpful, but then he went into my account and found out that my new upgrade Samsung S8 plus insurance was under- insure. He still send in a request for to the insurance but 4 days after i went back to the store and found out that Finrite declined my application for a new phone. How was I to know that my phone was insured for less money that it was worth. The consultant that helped me should have done her job right when i went for the upgrade because my previous phones was all insure and i never claimed , cause this was my first time that my phone got ****** . I payed on this phone insurance for 1 year and 3 months. What is happening with that money that i payed insurance for. How can they deduct insurance but i'm left with no phone. My question to finrite is did i pay insurance now for 1 year and 3 months just to put in their pockets. If my phone as they say was under-insure why not replace my phone with a device a little lower than my device i had. I payed my phone and insurance every month, but now i sit with nothing and still needs to pay cause its still a few months until i can go for a new upgrade. BAD BAD INSURANCE WITH NO LOYALTY TO THEIR CUSTOMERS. THAT'S HOW I FEEL WITH MY EXPERIENCE I HAD WITH THEM.