Unable to Claim from Unspecified goods

On Thursday 08/10/2015 I phoned and spoke to Kashiefa to repair my 2 IPhones that I drove over by accident while I was at a friends house on our way home. I explain to Kashiefa what have happen and tried ti assist and after that she when into a policy *** and she noticed that I didn't specify my cellphones I explain to her the reason why I didn't specify my cellphones as the monthly premium was to high. I also just wanted the devices repaired I used the devices for my business and all my contact of my clients is on the devices me and my wife's device and ask her if I can then claim from my unspecified goods to repair the device and she explain to me no i NEED TO SPECIFY THE GOODS BEFORE I CAN CLAIM FOR THE DEVICE . pLEASE ASSIST AND EXPLAIN TO ME WHY I CANNOT CLAIM FROM THE UNSPECIFIED GOODS.