Insurance claim

I took a phone on contract with vodacom and later the service provider offered me insurance on the device telephonically of which i accepted and have been paying insurance ever since , now my phone cracked and they rejected my claim saying that the sim card was not in the device, whereas in the beginning they said they would not pay if the phone gets ****** and the sim is not in the phone of which i understand ...not for when the phone is damaged... and i being inconveniences without a phone which i am paying for ... and i want all my insurance premiums paid to date to be refunded or my phone fixed