Incorrectly informed now I’m stuck

I had contract for smart phone coneXis X1 that I bought from FNB which I pay R119 per month with a pledge of R1000 they kept up until the device is payed up. I lost a device through house breaking. When I go to the bank to report a ****** phone after opening a case they told me the phone was not insured they can’t give me a new phone but I must carry on with installment like nothing happen. I ask the consultant why they didn’t tell me that the phone is not insured, she said the lady that was selling a phone to me is one who made a mistake. Now they forced me to pay R2300 if want close the account and they can’t give me R1000 pledge. I feel that the Bank didn’t protect me as client I have debit orders going through my account that are in authorized it’s not fair .im now even willing to change banks cause FNB is the worst bank ryt now and very ************* sales consultants -I know I’m ensured but now that I claim it’s a different story it’s just not fair