Bad service

I wanted to join insurance from Vodacom but I have read from other people reviews, I'm no longer interested in any products that Vodacom bring, because they always disappointing, and my friend was complaining that he lost his phone that was valued R24000 but Vodacom told him that his covered for R15000 , I'm still shocked and how come you buy a phone for R24000 then be covered for R15000 it doesn't make sense to me