Cellphone Claim

So disappointed with FNB ****ming me day light, insured my phone for R35k and have been paying for the phone for almost 4 years, the phone recently got ****** after my claim was approved almost 10days later, I'm told the value of the phone is now R25k after misusing the access and I will be given the same phone, imnnot even given different options until i insisted that i cant use the same phone i bought 4 years ago, only then i was told I can either choose the same phone or get a voucher. Apparently they will only pay for the current value of the phone and it's my duty to ensure that I check regularly the value of the phone, to my suprise the value went down but premium and access still remained the same. This is day light *******, fnb u can do better, as your valued customers for over 10 years i deserve better or else im jumping ship angry😡