Cellphone claim denied

Hollard denied my claim on Clause 6. that stipulate my mobile device must have the provided simcard at least once per 30 days, they claim my device did not have the simcard in for 64 days.

I disputed this claim, obtaining proof that I made countless calls in this duration. They now claim its beacuse I had another simcard in the device but can not point out in the Policy where it is prohibited. They also claim now that the simcard was not used in the device when it fell, where as the Policy specifically states that the simcard should be used in the device 30 days prior to insured event.

I have proved that I have made calls during the duration, seeked Policy wording on what they now claim the denial basis is on alas.

I am not surprised on the service as I see their rating. I am taking this further with the ombudsman and my next step will be to inform Cell C on the disgusting service received