I'm genuinely confused.

I am genuinely confused by how smooth the process was, i thought it would be a pain, but pretty much all smooth sailing. I submitted the claim on the app for my water damaged phone. A pickup date for my phone was arranged. Tthen when it was confirmed they could not repair or replace the device, they let me know that i would get either an istore or takealot voucher to the value of my cover (minus the excess ofcourse). They my cover was automaticlly cancelled from the date i said the phone got damaged(this was now two weeks later) and i recived and refund for the premium for days after damage occured.