Insurance claim declined as they feel I took long

I have been a customer with Vodacom Insurance for about 4 yrears and have NEVER claimed. My phone was ****** and I logged a claim with Vodacom who declined it because \I took too long to log a claim\". I have paid my Premium without fail for all these years and have never claimed. Was I supposed to have **** about when the phone was ****** so that my claim can be approved? Getting to the Police Station is not a walking distance you need money for transport to get which is not covered on the claim by Vodacom. I was on the line for 35mns and of that, I only sopke to the consultant Elize for a few minutes and the rest. I have not even spoken to the Manager, Alistaire Louis, as I have been informed that the Manager was busy with consultants.<br> <br> I demand for this to be resolved. I cannot pay for an Insurance for all these years without ever defaulting and then be told that my claim was late and yet my premiums have NEVER been late.<br> <br> Please note that I did not do a Sim Swop so am contactable on ***."