False information

After over charging me for my insurance for my phone for 2 years when I need to claim for my Samsung Galaxy S3 min which was worth R4000 when I bought it I have been paying insurances for a phone worth R5000 and more now they want to only give me a phone worth only R3000 now they are telling me it depriciated and that it was my duty to call them and make arrangements on my premiums I am dissapointed in Edgars and Hollard as a whole and will be cancelling accounts I have with them and on top of it all they want to over charge me on my excess fee by R50. if they are not going to give me the phone Im entitled to then they should give refund me my Full premiums for the 2 years and 6 months