Poor service from Jet

I brought a phone Samsung grand prime for R2000 insured it with Jet finrite for R53, in 2019 I lost that phone and I claimed for it and my claim was successful, I was asked to take a phone for R2000 I asked the shop assistant if I can add more money and take a phone of a higher value she said yes, I then took a Huawei p20 lite worth R3600, the shop assistant asked if I wanted to insure that phone I agreed my premium increase and I was paying R106. On the 1 March 2021 I was ****** and my phone was ******, when I went to Jet to claim, I was told by the people at finrite that my phone is only insured for R2000 when I inquired about this and told them that I was paying more for my insurance , they told me am paying for two insurance one R53 for Samsung grand prime and R53 for Huawei P20 lite, she even said my insurance would have been R96 if I was paying for the Huawei only . No one wants to help me Jet says I must contact finrite, finrite says I must contact IUA, IUA says I must contact finrite, I am now asking for a refund no one is helping. My money was being deducted from my Jet account and one debit of 106, how was I to know was paying for two insurance and there is no assistance there, when I went to jet at Pavillion in Durban, the lady said finrite was suppose to cancel the old insurance and update the new phone with corrected debit amount. Why must I be the one calling them every week sometimes twice a week to explain this to every consultant I get, . My responsibility as a policy holder is to pay my premium not to go and check the capturing was done right, why would I loose a phone and still pay for insurance, and insure the phone am using for a value that less than the price. This is very frustrating, I'm paying Jet they should assist, they are selling this insurance, Im very disappointed I've been a Jet customer for more than 10 years. It been 6 weeks now with no clear direction everytime I phone I'm told a different story. WHERE WAS THIS MONET GOING.