Extremely high excess fees on contracts

I recently bought an S8+ on contract and insured it with them.

Last weekend, the phone was snatched in chamers and had to go back to Vodafone for assistance with a new phone.

I waited the whole of this week for another one and since they don't have them in any Polokwane branch.

I was informed this morning that they only have a Samsung note 8 with an excess fee of R4100 or have to wait for an S8+ with still an excess of R2800.

I now have to go back to Gauteng (work) without a phone nevermimd the privilege of paying for insurance.

I would honestly not advice anyone to opt for insurances.