Phone claim

In the beginning of January one of our phones were ******. It is a business phone that is used daily. The phone was insured for the value it was purchased for. We went and bought a new phone with permission from our Broker (exactly the same as the one that was ******) as we can't go without it. Hollard then comes back saying that they will pay us an amount of R10 500 for our claim of the Samsung S8 or they will replace the phone. We don't need a new phone as we already replace the phone. The phone retails for R16 500.

Going back and forth with our broker - we still don't have an answer. It is almost 4 months later and my patience is wearing very thin.

Why on earth would we pay a premium for a phone that is R16 500 worth only to find out that we will be paid R10 500 once we claim.

THIS IS UNACCEPTABLE!!!