Unhappy

I took out insurance with the TFG for a cell phone I bought at Hi in the V&A waterfront i was ****** on my way to work one morning and got all the relevant documentation for the claim I emailed TFG customer service and was not happy with the service received from the insurance company being monitor. The email I received stated that I could upgrade to a better model and just pay in the cash difference and I was willing to do that I went to the store my claim was made only to be told that customer services just cannot tell me that yet I have it in black and referred me back to monitor and the service I'm receiving from Monitor is totally pathetic. With the current economy with everything going up where do you get a Samsung cellphone for R999 all i want to do is get a Samsung cellphone and pay in the difference.