insurance *******

so my phone was ****** and now i have to pay an excess of R2500 which they are saying is 20% of the value of the phone. In the 10 plus years i have had a contract with Vodacom i have never claimed from the insurance now i have to pay what in my opinion is a total ******* and is R2000 more than any other insurance i have gotten a quatation from so i ask how can you justify me having to pay R2500 that is just simply insane. if this is not sorted out by tomorrow i will take this matter to the CPA and the insurance umbudsman for ***** and *******ion on Vodacoms behalf. I refuse to be ********** i pay almost R7000 over 2 years for insurance and when i claimfor the first time ever i get **********. i have even gone as far as getting legal advice and have been told the same that there is no way that the excess can be that high if i have never claimed