Mislead by shop

I would like to share my fustration at Pep Sunnypark Mall, I bought a phone via foneyam and when it was fairly new, it started showing signs of being faulty by getting stuck. Since I was on my way to a different province I left it and ultimately forgot until it fell a few weeks after. Fair enough this was on me but I took it to the shop just to find out if they will not help me, I was told that since the phone is insured I should bring it in to be taken to repairs. This was done and after 3 weeks I get a quotation amounting to R1300, mind you phone is only R2000, now I go back to the shop and I was told to phone foneyam and teel them I received a quote, Foneyami says there is nothing there can do because the only cover ****** and in a case of death and the store should have informed me of this. Now I am stuck without a phone, a quote amounting to R1300 or a rejection fee of R280. As a client, how am I supposed to handle this situation.