IPHONE CLAIM ISSUES

I had a iphone insured with Vodacom Insurance. The iPhone claim was approved, but now I'm sitting with an issue that they cannot replace the phone with the same model. If I take a newer model, my access is over R3000. Now they want me to finish the claim in 60 days, I must take any other phone. I don't want any other phone. I paid insurance for a iphone, so I expect a iphone. It's not my problem, if the phone is phased out, they were suppose to over insured and not under insure especially to avoid situations like this. This is not the service I expect, because when paying every month, that is perfect. So untill I get a iphone for the insured price or whatever I'll wait. The insurance is suppose to make sure my phone gets replace. So don't couple 60 days to a claim. I did not pay 60 days. Citizens be carefull , you pay insurance , but when you claim, there is always an issue.. Vodacom insurance you not treating me like a valued customer as you say.