Frontline Insurance horrific service

I Logged a claim with Frontline for my damaged cell phone which was written off in the damage report supp****, in the time i logged the claim my sister had gifted me a phone due to work from home i could not be without a phone, I then sent through the evidence of the gifted phone to Frontline requesting that they do not replace the phone but pay out the claim in cash as i do not need another phone, Firstly my phone was insured for R13000, i was paying a premium for a phone that was insured for R13000, because my sister had gifted me a phone of R3499 they would only pay out an amount of R3499, nevermind the fact that i have sent through all evidence and explained my case several times, the claims Manager Mia was adamant that i can get cash payout of R3499 (****************) or a replacement phone, and thats not all, when i called her she refused to speak to me as she does not deal wit clients, no polite manner like " Mrs Hartley let me contact your broker and your broker will call you" none of that, and she told me i can take my business elsewhere. In these trying times companies are not willing to hear clients out or even reason with them yet alone even try to keep the business.