Not happy with payment Miway

I had an incident where my son lost an I phone 13 which was insured with Miway for 3 years and now am claiming still paying the same premium every month when I sent the claim. I was intarogated as if I was lying been told to do conference call with vodacom and get to be asked security questions as Miway says the reason for conference call according to their research the sim was blocked on the 14May and am claiming on the 17 May which I was not happy at all where I had to go to Vodacom store to print the correct date which I proved them wrong I asked them to give me the information they had they refused secondly they told me they can only pay me the retail price now but they never do review with me in that premium where was never changed I was paying according to the amount of 17000 but they can only pay me 10500 as the phone sells for .i was not happy I requested to talk to the claim department manager which apparently is still in the meeting till this day I guess .i have been with this insurance for 15years am disappointed in them .am not happy at all they took me for a ride .