BAD SERVICE EVER

I Maureen I have an insurance phone that am paying monthly now I went to claim the ******/loss phone they say its declined because I wasn't using the contract sim card.the sales person convinced me to take the insurance cover for the loss and ****** not sim card ..I was advised that on sim card I will receive free data and sms airtime that was it...last usage of of sim card it was January the sim was lost...Im actual the account holder I give the phone to my brother as a present and im paying for it..he only told me that the simcard was lost on the 10th he wasn't away that he was supposed to use it as he was having his own crad that was using before ..the information for insurance cover was insufficient its unfair that I must carry on paying insurance for next 16 months without a replacement since they discover that I wasn't use the contract card why not stopping debiting insurance coz the simcard was not inuse please help me my claim was declined due to sim card while I know I was paying insurance for handset not sim card if I was having a full infor from Vodacom I was not gonna pay R247 FOR SIM CARD PLEASE HELP regards MAUREEN ********** ********** 080297