Insurance claim

In March 2017 i took out Insurance with Standard bank for Household contents which had supposed to include insurance for my cellphones as well which i had requested for and have been paying for since than... 3 weeks ago my cellphone was ****** and was advised that my phone is not covered. they advised me that they will get the recording of the call that was made to me with regards to this..a week went by and i heard nothing from them so i called again and they told me they were still awaiting feedback....another week went by and i called again and they advised me that they had listened to the recording and that the guy who sold me the insurance had agreed to include the insurance for my cellphone...and that the matter was handed over to the underwriters which was last week Tuesday and they advised that it will take two working days for the feed back and till date nothing was done..i'm paying for something that i don't have..this is not what i signed up for this is not right as they are taking money from me for something i don' have...