Useless contract ever...claim not prioritized

I rented a phone (Samsung Galaxy A05s) with Foneyam via Pep Cell in wonderpark mall last year on the 26th October and the sales person told me that the phone is automatically insured...I paid R900 deposit and R180 activation fee before I could leave the store with the device..On the 7th of June I lost my phone..I called mtn and they helped and gave me an ITC number in order for me to claim..I called the foneyam customer care and spoke to this unfriendly and impatient consultant who then told me that my phone was not insured and that insurance started 9days after I got the phone and it was before my first installment of R343.88...She told me that I can have a contract called at a certain fee or continue to pay my monthly installments until I finish..I then asked her to send me my breakdown payment to see if my phone was not insured..she refused and told me to go on website yet I just told her I lost my phone..Fone yam is **** and ****ming people..very useless...I will never recommend this stupid thing to anyone..