1st For Women

I have had insurance on my phone for over 30 months with 1st For Women. I accidentally damaged my phone, put in a claim with them for assistance. They agree that fixing the phone is too costly and that they would rather get me a new device. The insurance cover I have continuosly paid for, month after month is R 15 000. My expactation is to have my phone replaced with a device worth my cover which is R 15 000. I have been taken back and forth, pillar to post over a cover I have paid for for months. I am now told that they cannot pay out the R 15 000 cover and they cannot replace my phone for with the value of the cover. Someone tell me exactly why we take up insurance if they want to rob us of our monies so easily. Please do not take up insurance with 1st for women. They are out to de***** people of their monies. I have not had a phone for 7 weeks now. They still want to give me a run around and I am at a verge of losing my job of them.