Feel ****ed

I went onto the Vodapay app as a matter of interest to see what insurance on my device would cost. I had to enter the IMEI number of my phone, from this the make and model popped up which I confirmed and a quote of R255 per month was given of which I could accept or decline. As it was around R30 cheeper than what I was paying on my Household policy, I accepted. Now months later I lost my phone and went into the store to submit a claim only to be advised that I would have to pay an excess plus a betterment amount of R4600 as I am over insured and the model I insured is no longer available. Vodacom gave me the cover amount and monthly premium amount from my IMEI number. They insured me for a replacement value up to R18 999 and the replacement value is only R10999. I then spoke to Mpho Moso from Vodacom, who has zero Customer Care skills and was told by him that I *****ulently insured my phone as it was bought in 2021 and it is ******* to insure a device that is older than 30 days - again I emphasise that I entered the phones IMEI number and Vodacom sent me the quote. Vodacom Insurance is a *****ulent business and I will be reporting them to the Insurance Ombudsman - they should NOT be allowed to be in business