Insurance

I have been with Vodacom for a number of years now. I opted to take out insurance in case anything happened to my phone. I have never claimed on the insurance and never missed a payment. Now when I need to claim for a lost phone I am told that the claim is denied because I don't use my phone enough. What is enough? Their insurance is a ****. All these years of diligently paying. For what? Right now I want to cancel everything I have with Vodacom which will probably be another ordeal. They don't care about their customers and obviously don't care whether they retain the ones that keep immaculate accounts with them. Time to look for another service provider