Telkom Insurance is ****.

I took up a contract phone and insurance with Telkom in 2019 and I never missed one payment since then. I had to upgrade my phone which I did through them still. I obviously used the same SIM card. I lost the other phone which did not have an active SIM card at the time, logged the claim through Admin Plus in beginning of December and sent all the relevant documents. I had to wait till 05.01.2022 for them to tell me they rejected my claim because the phone did not have the original SIM card. So basically they expected me to have 1 SIM card on 2 phones simultaneously. I’ve been warned about telkom and I thought I should give them the benefit of the doubt because they had not done me wrong till now. I then spoke to Admin Plus to cancel both my insurance policy and I’m told I need to do it in writing and give them a 30 day notice. I am fuming.