Vodacom and Finrite No Customer service

What pathetic rules on Vodacom Insurance. you approve a claim for R7600 with 15% excess on an Iphone then when i try go and procure a new device you wont let me pay in the difference to get the cheapest Iphone which is now over R10000. how stupid is that, you try and force me away from the only brand of phone my whole family owns. I wont be insuring anything with you ever again