Unacceptable service regarding claim

I have insured my phone for the value of R16k and paying premiums for R16k phone for almost 2 years. And my phone is now damaged and needs to be replaced. The claim advisor first informs me they will replace my phone with a phone of the value of R8600. And when i disputed this then I am told that the phone value was last R12.5. Very inconsistent values and undermining the amount I was insured for. This is unacceptable and disturbing. I have paid for a phone valued at R16k and it has been discontinued. You cannot choose for me which phone i should get now. I want to replace this phone with a phone of the samw value that i have been paying for. Your service is very disappointing. I need my money before close of business today. While we go backwards and forthwards about this i am without a phone and my business is suffering. Yet you have been collecting my money every month without fail.