disappointing service

Good Day

I’m very disappointed in the servicer received from Hollard/Cell C cell phone insurance. According to my insurance contract my cell phone will be fully covered for theft, water damage, lost, etc. At the time I app**** for the insurance I made them aware the cell phone is dual simcard hence I will be using 2 simcards. Hollard/Cell C was aware of the dual simcard. My phone got lost November 2017 which I did repost to the police station. As per my insurance contract I’m legible to claim for lost of cell phone.

To my surprise they declined my claim according to them its because I was not using the cell c sim card. I asked for records and or any proof that this was stipulated in the contract I need Hollard/Cell C insurance to resolve this as soon as possible I will not accept this There was no problem with me paying my contract now at stage of claim there is problems