Expirience with Vodacom insurance

I have had a contact since January with Vodacom and in October i was offered a second contract which was a laptop bundle with router and data sim. The data sim doesnt work in the router but works in the phone and thats the only way i get to use my data . Unfortunately for me last week while using my data sim I lost the phone together with my original sim which was at the back of the cover of the phone. I the blocked the sims and blacklistd the handset and went to a vodacom shop was given a number to call for insurance. When I called my claim was declined because my simcard was not in the phone at the time it was lost. I dont unerstand why this was not told to me when i took up the phone the same way they could tell me about what it covers why didnt they include exclusions. I have never skipped my premiums not even once and i though i was covering my phone why is my simcard suddenly included when claims is involved because I am paying for the simcard to get a simswap funny the insurance doesnt cover. The phone was lost with my other vodacom simcard in it so it was not even a different network or different owner for that number. Loyalty and good payment doesnt count for anything with Vodacom. Dont take up the insurance plus the claims process is just as daughnting had to call twice because the first time i called the agent took my ID and put me on hold for 10minutes to apperently load my profile, had to hang up and call again. unfortunately because i dont have a phone currently i will be doing a new application and forced to pay for the old and new.