Claiming nightmare from Naked Insurance

Unfortunately, my phone was ****** from my handbag. To complete the claim process took very long with long responses between emails but that I could atleast try to understand. However when it came time for the payout I was offered vouchers instead of an immediate EFT. Firstly this is unfair because it does not really give you the customer the option to look around for the best price as you are limited. Regardless I chose to get paid out in the form of an Istore voucher as they are currently having a special on the price of my phone. When I eventually did receive my voucher (which took really long) I saw that they had short-paid me by R2000. When I reached out for them to resolve this it took another 24 hours to fix. Now they have sent me another voucher which keeps reading as invalid upon checkout. I have reached out to the insurance company multiple times via email and telephonically. Responses are always delayed and their service provider is always blamed. As it stands I am still waiting for this matter to be rectified. I am extremely disappointed in the service provided and the clear lack of urgency. It is obvious that Naked Insurance is understaffed as the average hold time for calls is 20 minutes further it seems that they not properly equipping the staff they do have to rectify problems as they arise.