Disappointed in Insurance

Really disappointed with the insurance on my MTN contract. My phone was ****** last week. A Microsoft Lumia 950. After trying for two days to find out if my claim is approved or not, I get told that there are no more Lumias in stock and I then get offered a Nokia 6. The reasoning: They have to give me something in the same brand. Well let's be clear. Lumias are Microsoft phones. They have had no connection to Lumia handsets since the original company sold up to Microsoft. This new Nokia branding has nothing to do with my phone.

Let's also note that my phone is insured to the value of R15000. The reason I chose my phone is because it had an exeptional camera that I need for work purposes. I am now being offered a R5000 handset replacement with a ****py camera and specs that are worse than my phone which was a 3yr old model (I have just checked). Not sure why I have bothered even insuring if this is what happens when I have to claim. So basically I'm stuck with a phone that's not going to do the job I need until my next upgrade because of an incident I had no control over and thought I was covered for with my premiums.

This only gets two stars for the very helpful consultant who, even as I write this, is trying to help me with this issue. His service has been excellent despite the limits set by his employer.