I WANT MY PHONE

I bought 2 cellphones on contract by Vodacom, costing monthly +-R1100 on both phones with insurance included. I lost 1 of my phones and I followed the procedure of reporting it at the police station, making an affidavit statement. Then after 3days I did a follow up on the claim enquiry. I was told Vodacom declined the claim due to phone not having any sim card on it. No one told me that insurance doesn't cover the claim if customer took sim card out of the phone. I no longer have my 2nd phone but installments continue to deduct on my account. At the moment I'm very very angry because I need my phone, I want my phone. What is worse the airtime I get monthly doesn't cover for the month, as I did my calculations I use over R2500 on airtime alone except for the charges I pay for the contract. I seriously don't understand why I am getting such bad service from Vodacom whereas I never delay on any of their requests.