Double excess on >2 claims in 12 months

My cellphone was lost for a second time in a period of 12 months. <br> <br> Initial cell & insurance contract signed with Vodacom at time of purchase in 5/2014 stated a maximum excess of 20% on >2 claims in a year.<br> <br> Phone was recently lost, apparently they put me on a new contract and am now liable for 40% excess. No updated contract was sent my way and they will not honor my old contract which is the only one I have. <br> <br> Would like a resolution here as 40% excess is an absolute shocker. <br>