Horrific outcomes from an insurance claim.

On the 1st of June I logged a claim for my iPhone 5S which was ****** together with my bag during a car window break in. I spoke to a consultant by the name of Dellini, who I was also unhappy with and asked to be transferred to the manager. I then dealt with a lady (who's the manager) 'Karen' and later forwarded necessary paperwork as per discussion. A day later I was contacted by Calving confirming that my claim was approved. To my surprise, I had insured the phone for R12000 and I was told I was only going to be paid R1150 to my acc. this excludes R750 which is the excess fee. This does not even begin to cover the quarter of the cost. I was told of a clause which states if the phone has been ****** from a car, regardless of its worth, that is the max amount they pay. I had since cancel the contract I have with first for women and am highly disappointed with the outcomes. I have heard horror stories about them but never the less gave them the benefit of the doubt. I have been paying an instalment of R399 p/m for 13 months including household, this has just gone down the drain. The insurance did not deliver in my time of need and I still do not have a cellphone that I had insured.