Insurance claim *******

We have been paying Cellsure insurance for a long time now and have only claimed once.Anyway My wife took in her Galaxy S7 for repairs (crack of the back cover)filled in the claim form and received a response today.Great service or so we thought! We where told there is an excess of R900 on a repair that costs R1350. That is 80% excess on the total repair cost. How does one justify this ? This is ****************, this process only works if your Phone is ****** or lost for repairs it is absolutely ****.......This Insurance will be Cancelled and all 7 contracts will be cancelled as the contract term ends.Really PATHETIC