********** insurance: under insured

I have had my iPad for several years and it was recently ******. I have been paying insurance on the device during all this time. My insurance premium has even been amended and increased over time. To my absolute horror I found out that you are unable to replace my device with a similar product! I am not insured for enough. Why on earth have I been paying insurance and why has my premium increased over time if I was never insured for a replacement device? This is unacceptable. As an FNB client this is very disappointing. I have paid off two laptops through you, and I am currently repaying a television – on top of the iPad. I feel completely cheated and I do hope in future this is something you will give attention to. Under insuring customers should not be allowed. I am signing the claim forms in great protest because I feel that my insurance premium payments were ******.