******* service, ****, ****s

I took a cellphone policy with outsurance almost 2 years ago. Just over a week ago I mistakenly washed my cellphone with my work clothes in the washing machine. It got damaged. I called outsurance. They told me that I had over insured the phone. When I took the insurance, I was told I will be replaced with the latest model should something happen to it. I was given half of the amount I insured it for and was told I won't be upgraded as the supplier still has my old phone stock. Outsurance is a ****. They will tell you about all the fine print in the contract which you didn't read. I am shopping for new insurer for my house, household contents and cellphone. I can't be played like this. ****py service. My husband wanted to insure his Samsung S23 Ultra, told him to run far away from outsurance