Bad customer experience

I am writing to express my dissatisfaction with the service I received regarding my insurance claim. I have this issue that is happening with my phone and the insurance that I was paying on monthly basis. I had a problem with an software update which made my phone to stop recognizing it's own original charger, I used different charging cables and chargers to see if maybe it was my charger that was not working all to find out it's an update that made my phone like that because I would update my phone everytime my phone notifies me to update. So I called the insurance and the insurance said there is no need for me to make a claim I should just take it straight to the store and the store will deal with it, I then took my phone to telkom that was on the 20th of August and then filled everything and told me that they will send it to the repairs. When I read telkom terms and conditions they said my phone will take 2-3 weeks to be back. I then waited more then 3 weeks after that I decided to go back to the store to ask them what is happening with my phone because I'm not getting any feed back they then told that they will get back to me I should just wait for another week I did as they asked and I have been waiting and they got back to me after going to there store for several times. I received an sms that say my phone has been relocated to the repair center I received that sms only on the 20th of September. I went back there again and told them why am I only getting the sms that my phone has been allocated at the repair only now late. They told me about the courier that was late to collect my phone. The cellphone contract, I'm paying very well and insurance they never gave extra phone (courtesy phone) to use and I have to use people's phones to communicate with them but they still want me to keep my insured number active and now I'm paying telkom for a phone that I don't have, that is with them and their insurance. Their insurance sent me a text saying that I need to pay them R3750 the quotation costed R10 000 but I had the phone for only a year and 2 months the phone was still brand new and I had no other problem with the phone it only stop recognizing the charger and in order for me to charger it I would use an wireless charger now they teling me the phone had a problem with the following: Charging IC, RF IC and MAIN BOARD all those things are made up and for them to charge me R3750 for my phone to be fixed, this is ridiculous because I'm not even claiming for a new phone I'm claiming for the insurance to pay for my phone to be repaired for the 1sf time. I never expected that amount and everywhere I call no one is willing to assist me now I'm left with a whole debit order that keeps deducting but the phone is not with me but with telkom and there insurance that is ****ming people and lying to people. And now they are sending me an SMS stating I should pay R3750 for repairs. I was going to understand if I was claiming for a new phone for the second time. The insurance keeps deducting but their money and I have no problem with that, but the question is, why is the quotation of the phone that needs to be fixed the charging port only, which was not my fault would cost R10 000 and I'll have to pay R3750 from it that is ridiculous I don't understand and I'll pay that amount only to be receiving the same phone that I had, I'm not even receiving a brand new phone. I don't have a phone and I'm paying for a phone that I don't have which telkom and their third party OMART INSURE kept on them. I am actually not a happy customer I feel ****** and ****med.