paid 20% access instead of 10%

I took a contract last year of Samsung Note 3 at Vodacom 4 u wonder park around february 2014 and when I took the phone I asked for insurance then the lady who helped me by the time she said my insurance is activated but I realized around July that my phone is not insured then it was activated. I was armed ****** on the 23/02/15 and made a claim at Vodacom PTA CBD on 26/02/15 and on the claim form it stated that 1st claim 10% of purchase is the access then I signed the document. I went back on 27/02/15 they said I must pay 20% and when I asked the guy at the shop why he said he doesn't know and the consultant guy said I've filled an old form and I must take it up with Vodacom wonder park the next day I went to wonder park 4u to my surprise they showed me the same claim form of 10% 1st claim and the lady called the insurance and raised the issue with them because she was not aware of the change then the consultant told her that the access changed on 01/07/14 and unfortunately they were not informed about that and I had to pay the double access in order to get another handset. I was so inconvenience because I never expected to pay 20% which is R2068.85. It's so unfair