Overcharging of Cell Phone Insurance.

On the 27th of February 2017 I bought a Mobicel ICE cell phone with IMEI ********** ********** 8 at Jet Mart St. Georges Mall, Cape Town. The phone was valued at R700.00 at the time and I asked the sales lady to insure the phone for me. The sales lady insured the phone at a monthly premium of R49.00 per month which I assumed that this was right . The phone fell and I took it in for repairs and found out that I was over charged. The phone was insured on the wrong insurance plan. The R49.00 plan was for cell phones with a rand value of over R1000.00 which means I was suppose to pay a monthly premium of R39.00 and an excess fee of R100. On the 27th of March 2018 I went to Edgars to collect my repaired phone, so I asked them to fix the monthly premium and excess amount, but was told that I need to speak to finrite. The sale lady than put me on the phone with a Finrite consultant who than told me that she needs to escalate my request to have the excess fee reduced but to fix the monthly premium I must go back to where I bought the phone. I went back to Jet Mart the following day and the staff there told me that I must speak to Finrite cause they cant make any changes on the system. There's only one phone working in the store, and it was already occupied by another customer and after waiting an half an hour I left the store because I couldn't wait any longer. My question is when will this be sorted and how long must I still wait cause I'm in need of my phone. Secondly I need to be reimburse from the 1st premium till now because I was overcharged.