Misleading information/Theft from clients

I have a contract phone with Vodacom, I also took insurance for my device but the insurance is increasing every month reason is for my insurance to align with current model in the market, I then called Vodacom insurance to align my iPhone 13 Pro Max with iPhone 15 pro max since I am paying R486 for my cover and my maximum indemnity should be R35000 but Vodacom insurance capped me on R30000 while paying the premium for R35000. I tried resolving the issue with the insurance department and they told me they are not allowed by Vodacom to align the premium with Max indemnity. The message that triggered me is as follows “ Dear Customer. As of 01 March 2024, to ensure you get the best cover, your monthly device insurance premium will increase to align with the increased cost of device repairs and replacements. We always strive to ensure your premiums are as low as possible. Your new device insurance premium is now R530.10 pm. T&Cs remain the same. For more info contact ***.”

And nobody is willing to help at Vodacom insurance.