i am paying for someone else mistake ,is that fair i'm loosing they gaining .

i just want to share this details with everybody ,the thing is that i went for a contact phone at telkom and on that day also took out the insurance for future safety,and on that day everything was going well i spoke with one of the sales agents and he assist me with everything i then got the phone and fill in all my personal details ,then he start with explaining how much the insurance is going to be for this phone i now took out by them ohk i agreed and filled in all the details of the phone and my details on the insurance form ,he then told me that everything is shorted out i don't need to worry i am covered from that moment when everything was signed and finalised ,i then ask him for a second time are you sure when i'm walking out of here covered with my insurance he then told me again sir i am 100% sure you don't have to worry about anything ,i then went home with my phone knowing that everything is correct .then after two months on my way to work early morning on the metro rail trains i got pick pocket by god knows hoe or how they managed to get that right ,i then informed the securities at the station and they told me to go straight home and get my phone box with all the accessories and go open up a case for my lost cell phone ,i did axactly what they told me and explained to the police officer what happen he told me then to fill in a affidavit and take it with the case number straight to the store where i bought the phone i did that and as i arrived at the store the sales agent then ask me at the door how they can assist i then told the lady that i want to report a claim for my lost phone and that i have all the proof plus case number ,she give me a ticket and told me to take a seat until my number will be called i did that and the same person who help me with taking out the contract two months ago assisted me and asked me how he can assist me i then explained everything to him what happened and that i have everything that he needs to report the claim he then looked shocked and i asked him whats wrong did i forget something he he said no but suddenly out of the blue start with apologizing to say sorry sir i am sorry i forget to call you and tell you that two months ago the insurance company have send me a mail to say that ,the amount i provided was incorrect for the insurance it was more then that amount and that he forget to give me a call and to tell me to come back and to come and fill in new forms with the correct amount i was shock for what he told me knowing that two months ago i asked him twice if my insurance is shorted he then said that everything is 100% but know im finding out that i was never covered because of his mistakes ,he told me that he can arrange with his manager for the same phone but im going to pay know more then what i was paying because of his mistake ,i was in need of a phone and told him that why must i pay for his mistakes he said sorry again,but i am losing and he is not ,so why am i paying still for something that was caused by telkom that not right but a am struggling to stop this contract with them for something that was not caused by me ,so please if there's anyone that can assist me feel free to send me a mail ,i hope this storie of mind will open up a lot of eyes for people that getting rob from cell phone companies .