Cellphone Insurance Reap off

I contacted Hollard Insurance for Egdars Cellphone at the beginning of October after I lost my phone on the 27th of August 2022. My claim was rejected as I was supposed to report and claim within 30 days, I disputed the outcome of the claim and was advised to contact the Insurance Adjudicator or Ombudsman, I am so unhappy and depressed as I do not have a phone as I have been since been paying for the insurance. I was not aware that I had to report and claim within 30 days I need help as I do not have the strength to go to Insurance Adjudicator or Ombudsman.