Do not insure with FNB device insurance

I insured my smart phone with FNB. This is what they state on their website:<br> <br> Cover for loss, damage and theft<br> In the event of accidental loss, damage to or theft of your device, Smart Device Insurance will either replace your device, or if the model is no longer available, we'll settle your account and pay you the difference.<br> <br> My device was replaced with a model that has been discontinued......<br> <br> Cover for loss, damage and theft<br> In the event of accidental loss, damage to or theft of your device, Smart Device Insurance will either replace your device, or if the model is no longer available, we'll settle your account and pay you the difference.<br> <br> My cover with Santam is much better.<br> <br> Great turnaround times<br> Lost or ****** devices will be replaced within 48 hours of us receiving all the information. Repairs will take seven working days.<br> <br> My turn around time was 2 weeks.<br> <br> The telephone number on your website does not even work. I really expected more from FNB.... <br> <br> FNB spends more money on false advertising than on keeping their current clients satisfied.