Hollard poor service/*********

Good Day,

My cellphone has recently been misplaced/******

I then claimed from my insurance company Hollard

Due to the value of my device they requested a +-R4000.00 excess

However the insurance company cannot replace my exact device,and suggesting cheaper devices, which I am not happy with,with numerous back and forths,I have suggested a device that I would consider Which is the value of my device that was insured and which is available at reputable cellular outlet,upon my request the company has not being getting back to me.

I feel the insurance company wants me to accept a cheaper device compared to what my device has been insured for although I paid an excess amount for a replacement value of the insured device, why should I settle for a cheaper device,why can I not be replaced with a device value for the exact amount that my device was insured for for a device that I am happy with.

This is my first claim for a device

Refence for the claim is ***