Insurance *******

I would like to take this time to express my disappointment in the insurance company that I trusted over 16 years and in this many years I have claimed twice and was not given any problems.The last time I claimed was when my Samsung S2 was liquid damaged and was given the S4. Right now since I took the S4 the premiums has been the same and on my contract it says I am covered for R15000.00 in case of damage,theft or loss.Like the example I gave I was given like for like S4 for S2 Now when was the policy amended ?Was it communicated to customers that if you loose a phone regardless of the maximum cover they give you the value of your phone currently.Which now they say I have to take a phone of R7900.00.I was surprised today to be told this.Mtn as a reputable company can do something about this?It might be your policy but where's the consistancy?I have a good relationship with your company please assist me.