INCOMPETENCE- INSURANCE NOT HONOURED

My phone was ******. I put in an Insurance claim with TFG and Finrite Insurance, more than a month ago! I received an sms on 06/10 saying my claim has been approved. I then heard nothing from Finrite.<br> I went to Sportscene, the store where I put in my claim for insurance and asked the Manager for my replacemnet phone. After trying for a week or two to get hold of your callcentre agents, she finally got through on 21/10/2015. For approval.<br> They said to her that I must pay an excess of R200 and the difference from the price of first phone to replacement phone.<br> This is not in the contract I took out. I took cover for C2 R501-R1000 32.00 and C4 R1251-R1750 44.00 . It was for a Samsung Galaxy Neo Pocket and a Samsung Galaxy DUOS Star 2 Plus respectively.<br> I now chose a Samsung Galaxy Young 2 because that is the only phone in the price range available. It is R799. So how can I be owing anything, NO DIFFERENCE.. because my cover is for a phone up to R1000. C2 R501- R1000..<br> The excess they quoted today to Sportscene is R200. Untrue! It should be R150 as your cover stated for a C2 cover.<br> I am sick of your incompetence. Please fix this ASAP, and give me my replacement phone.