Poor service to a loyal client

I ha e home insurance and car insurance with Standard Bank. I made a claim on my phone that cracked its screen. So I was asked to get a quote so that the insurance claims department can approve it. I went to WeFix, which I was advised was ok, got a quote and it was approved. I was sent a claims card and I went to fix my phone. When I tried to pay, the claims card declined!!! Call centre tells me WeFix is not an approved retailer. Biggest question of all, how can my insurance approve my WeFix quote, but give me a card that can’t pay at the supplier they approved? I asked the card people, who agreed with my point, but couldn’t resolve my claim. I’m now sitting with a claims card which has access to funds that can only be used at specific retailers as I was forced to pay cash. What would’ve happened had I neot had the cash? I demand a refund of my cash, Standard bank can take their card bac****!