TFG insurance

I submitted my insurance claim for my cellphone last year September and it only got approved this year August for an amount of R3899.00. I am told I cannot top up if i want take another device because it's against store policy. This is unfair considering that I had to wait for a year to get my claim approved. Furthermore. There is no device in store that costs R3899.00. The closet is R3999.00 and I am not allowed to get that... utter ******* and inconsiderate. I feel let down as the customer and the shop is not doing anything to met me halfway.