Bad service from Vodacom Insurance

The terms and condition are not properly disclosed or communicated prior to signing of the contract. My phone screen cracked and Vodacom refuses to fix the screen saying it was \beyond economical repair". Vodacom only insure the handset for R12000 (March 2014) despite their selling price of R17000 but does not disclose these figures on the actual contract. Upon claiming on the insurance I was informed that I need to pay the difference for a new phone because I was under insured. If I known this fact before hand I would NEVER have signed the contract. Nerveless"