Dishonesty. Overcharged. No Feedback. WOW.

Ok, now I am annoyed. 1. They have been overcharging me for my cellphone insurance. 2. I can't get a hold of the claims administrator (Tilani) who was assigned to my case (and Chanel keeps saying that her Team Leader will call mem which she hasn't). 3. This means 0 feedback and I have called them since Friday. When I set up my cellphone insurance, I asked to cover my iPhone 6 for R17000. The consultant (Zamakhiti) did not object or suggest otherwise. Now that I want to claim, they want to tell me I don't have a choice in the matter and that I will get an iPhone 6 again. The value now is R8 ********** . So why am I paying such a high premium? It's either they refund me since I have been paying a higher premium for a higher insured amount, or the iPhone 8 32GB or 64GB because the cash price of those particualr cellular device are still within the R17000 bracket. You can't be overcharging customers like this. The consultant should have known and advised me otherwise, then I would be paying to get the same phone and I wouldn't have a problem with that. Instead I'm paying a higher premium to not have options? What happened to you get what you pay for?