Do not insure with fnb device insurance

I purchased a phone from fnb device catalogue which I then proceeded to insure through fnb device insurance... after more than 5 years insuring with fnb device insurance I am so disgusted at the outcome.

My phone was insured for R12000 as informed by the consultant. But now that my phone has been damaged they are replacing it with the same phone which is now discontinued model , so I asked what that cash payout would be . They are wanting to pay me out R4200 , how can they blatantly rob their customers.

My expectation would be to atleast replace with a model that is not outdated and discontinued.

I have just purchased a iPhone X through fnb and I will be taking my insurance somewhere else this is how you treat customers that have there full portfolios with you!