Worst Experience with Finrite

I have an Vodacom contract which is insured by Finrite , I have been running up and down to Vodacom due to the fact that Finrite has activated a high premium on my cell phone of R360 whereby it is over covered as my original premium which was R85 for the Huawei Y7 2019 .... the insurance of R360 has been activated by finrite without my consent or knowledge , I have had help from a consultant at Vodacom Chatz Horizon who has logged calls since the 28 October 2020 regarding the high charge from finrite however finrite has not even looked into the situation , I have now lost my phone in December 2020 and when I claimed they have declined my claim saying the usage of the phone and the date of loss is not corresponding whereby I feel it is rather unfair as i am paying my premium and have been paying 3months on a higher premium of R360 Per month and they wont help me by getting a new phone (Please approve this claim) and all I need is a new phone and I want finrite to accredit me all the extra payments ASAP .......

I Personally feel that I have had the worse experience with finrite and please be advice I have nothing against Vodacom as the gentleman at Vodacom Chats Horizon has really tried his utmost best to help me sort this problem