Disappointed and ****med

My son's phone was ****** and when I called the foneyam to find out about the insurance appearantly they say if your phone is lost or ****** when you claim insurance and if your claim is approved then your contract will be renewed even you have 1 or 2 installments left now I asked *** what is the point of saying the phone is insured if your contract is going to be renewed if you have never defaulted and are left with the last installment because now it means you are going to be paying the phone for another 12 months yet they says it is insured ****************.This was never mentioned when I app**** for the phone they said it's insured and it does not affect the contract yet it is renewed once you a phone is lost or ****** ...we are being sold lies PLEASE BE CAREFUL BEFORE APPLYING