Insurance issues

In 2013 Hi cell did an upgrade on my vodacom contract, where they did not upgrade my insurance band to an higer one. This I only noticed last week Friday, my phone got Beyond ecconomical repair, wanted to claim and this is where I find out that I can only get a phone less in value than the one I had. So I went to monumentpark to sort this out, first I talked to Kimberly for assistance regarding above, so she called Surita and she said its not their problem if the person that assisted me with the upgrade did not inform cellsure it was my responsibility. So I laid a complain to vodacom, awaiting their feedback. The I went to kolonade to process a claim and found out that kimberly DEACTIVATED MY INSURANCE WITHOUT MY CONCENT OR WRITTEN NOTICE. Now if Surita says it was my responsibility to inform cellsure to uplift my insurance then it was MY RESPONSIBILITY AS WELL TO DEACTIVATE THE INSURANCE. Thus I will hold Hi Cell responsible if my phone gets ****** and all other costs that I might have to pay. Im waiting for your call/feedback!!!