Worst insurance ever

I have a contract with Cell C and insured the device Apple Iphone 8 64GB current value of R11899.00.On the 5th of August 2021 my phone was ****** did the necessary reported it at Goodwood police station and to Cell c etc.Eventually with all the minor setback of their systems was never updated and is showing a device i send back and not my device i actually have been sorted i could continue wigb my claim .Hollard contacted me informing me my access amount is R892.43 which i paid then they informed me the device they offer is a Apple iphoneSE 2020 64GB valued at R8999.00 where as my bracket for insurance is between 9***0

I informed Hollard that i am not satisfied with the device offered to as i would prefer Apple iphone 11 as the device is value is still in my bracket for what i am insured for.Hollard the said my Iphone 8 value is r11899.00 and that the Apple iphone SE is what they have available

I then reject the device and request a cash pay out as i will match the difference in cash and purchase myself the device from istore

Guess what rabbit Hollard pulls out of their hat .....they do not pay out cash for claims .O wow in all of my years of insuring my possessions it is the first time hearing that insurance companies do not settle claims with cash payouts

I registered a formal complaint with Hollard now they are trying to give me android devices which i am not interested in just pay out my cash so that i can purchase myself a device due to this delaying tactics Hollard is playing im loosing business as i am self employed and having a reliable handset is vital for business