Claiming the beyond repair phone

My name is Modisaotsile from witbank I have an account with vodacom for close to 3 years now, I also have insurance for my phone, I made an upgrade on May then I got the phone then I lost my old phone which was insured I claimed for it then I got a P30 then my upgrade is an iPhone 6s, then on the 3rd of August it was a Saturday my iPhone stopped working I took it to vodacom since it was insured then waited for their phone call until today I decided to go and check because I am still paying for it phone that I don't have, they told me they can't fix the phone I should claim for another phone, we called the insurance company then they told me they can't give me another phone because it's not insured so I' really need your help hellopeter, my number is *** /***