Disappointed

I bought 2 phones on contract last year at game store. My other phone fell into water and it's been dead for 3 Months. When I call vodacom for insurance, they tells me to take it to nearest store. At the shop they are just giving me hell. By that time I am paying every month. I dropped the phone at menyln, were I was told the phone is not insured. I am seriously fed up with this nonsense. I decided to leave the phone there then call voda customer service for clarity and they confirmed it is insured but to date no one is saying anything regards. I just don't know what to do anymore. All I need is my phone