Insurance Claim.

I was recently put over to a Vodacom account from Nashua. Since then I up graded and took out insurance on the new phone from Vodacom, with an installment of R240.00 per month on the insurance. I had to make a claim and when they eventually called me back, they said that I had to pay a access of R3500.00. This is unacceptable. I did not sign any paper work regarding the insurance and they did not explain that there will be an access of that magnitude. They took their money for the insurance. My account was R1800.00 last month and this month it is R2100.00. With the amount of money I spend on Vodacom one would like to see more action towards the claim.