Game, Finrite, Hollard, either way they don't care about the customer

I'm soo frustrated right now, I don't know who is more frustrating, Game, Finrite, or Hollard. But they're 3 parts of one complete horrible service. I got insured when I bought my phone in 2018 and have been paying ever since now I go through the trauma of losing my phone and needing to claim after YEARS and not only do they suck at communication and make me do a run around to process the claim, but they tell me I can't top up for a phone I'd actually like and now it's going to take 7 working days for me to do a financial claim that is not even the full amount I was told I was covered for, all this was not communicated to me when I took out the policy, had I known I wouldn't have bothered, either they need to provide a better service or teach their salesman to be more honest and upfront. Either way, I'm never insuring with them again.