Unfairly rejected Claim JOB NO ***

I currently have insurance my phone ever since I bought it. This year in March I dropped my phone couple of days before locked down. The phone started acting up leading me to have to take our my sim since the number on that phone is busy. On the 1st on October I took my phone in for repairs. I called them on the 14th of October and to my surprise I'm being told repairs won't be done since I took out my sim. Now the question is did I cover my SIM or the phone what does the repair have to do with my SIM. Was I expected to expose myself to COVID19 just for a phone.