Old mutual insure needs to make sure that once a client is with them, they get all the contracts concerning what they are insured for and what is excluded.

I have been trying to lodge a claim since last week Friday 25/11/2022. I never received any documents whether hard or soft copy of the insured contents under my policy. Only to be told last week when I called to report a contract cellphone that was ****** from my house that I did not read the fine print that I am not insured for cellphones. All I need is proof that an email was sent and I didn't read it. Now I am stuck and devastated that why am I only getting this information now. I reported this case at Vodacom Alberton City on the 25th November. They said they will help track the phone once it switches on. Went to Brackendowns police station and they said they can't open the case unless I have the ITC number meaning that I need to tell Vodacom to blacklist the phone in order for my insurance to pay. I have been calling every day since that day. Old mutual insure blames the brokers for not giving full information but now I am stuck and disappointed. I cannot stop crying because it does not make sense to me why would I insure microwaves and not insure such expensive phones.