Foneyam insurance and courier cost

This contract comes with insurance, the phone I took has the last two installments and the screen stopped working , people advised me to claim for a lost device and get a new device but me being a honest customer decided to rather send it in for repairs, only for them to tell me to pay 2200 to repair the phone or 380 to have it courierd back to the store broken...why do we pay insurance??? And why should I even cover the courier cost. I want the phone back I will have it repaired myself then I will pay my installments but I refuse to pay anymore then my installments.