Claim was not updated,now I have to pay!!!

Claim was not updated****** I am very frustrated with Vodacom Nelson Mandela square Sandton city.I did an upgrade last year October.I signed a contract for them to renew my insurance fee .the sales consultant (Godfrey)who assisted me was vet helpful..I walked out of the shop my new phone,thinking my insurance was updated,little did I know 15months later that I will be a victim to someone and they stole my phone .I put in a claim and upon my discovery they said my phone was under insured because they never received any updates to renew my insurance fee.They said the consultant who helped me no longer work for them,so I should just pay the outstanding amount. Now I need to pay the back dated amount of R3 600 and the excess fee of R22 00 for my iphone 14 Pro ,128GB..It was not my fault that the insurance was not updated and now I have to pay and they not even helpful because I asked how can I pay R22 00 for a R25 999 phone???It's as good as me buying another iphone!!! Please assist me because this ruined my whole December,I'm traumatized and having to deal with the insurance company is not fun.