No transparency on insurance policies

I am very disappointed at Vodacom and the service I got . I took out a contract with Game store under Vodacom network and only insured THE PHONE a month later which the insurance was with Vodacom direct, when I took out the insurance I was told that the phone was gonna be covered immediately and it covers water damage, theft and loss . 2 months later I had a break in whereby in the process my phone was ****** . I did everything I was required to do only for Vodacom to decline my claim by telling me that the contract sim was not on the phone when it got ******. There is no where were it was explained that the contract sim should always be on the phone there is no even insurance contract explaining their Term's & Conditions. Then they said the consultant must have explained, I since asked for the call recording to date I haven't received it it's been over 3 weeks now yet they deducted the insurance money even after claiming the ****** phone and told them to cancel the insurance after my claim being declined they still deducted for insurance . Now when calling they sending me from pillar to post.