Contrack phone

I lost my phone when calling Telkom to block my phone and sim card it sounded like I'm bothering and wasting his time at some point He put me on hold and that was the last I heard of Him and worse it happened twice cause the first time I thought it was bad connection.....Also on talking my contract I recall taking insurance I even have the booklet that was send with the phone and they confirmed I was not insured however sad part I still have to continue paying every month installments and 19 months my money will be going down the drain....how is that fair I just want a fair resolution to this matter.