Phone Claim Rejected

2018 I bought a Huawei P20 Lite phone at Vodacom which was insured. I was using the phone and later decided to give it to the madam with the simcard after I decided to take a contract with Telkom. the phone was insured and used by madam and sometimes my daughter uses the phone to play games on the phone. On the 14th this month I had guests on the house and later discovered that after two days that the phone was missing. The phone was left charging on the main bedroom and its close to the bathroom so we suspect someone possible went in the bed room and ****** the phone. I called and Vodacom and blacklisted the phone and I was told to report it to the police station and get ITC Reference which I did. took it to Vodacom to claim and was put online to do an online claim which after spending almost an hour waiting for them, to be told that my claim was rejected because the simcard was taken out of the phone and used on another phone. the phone was put another simcard and that's the reason they are declining the claim but now the phone is gone and we can't have another phone. I called and spoke to the consultants I spoke to where rude of the phone. They costumer consultants where not will to hear ant stories they are telling me about terms and conditions that I was not suppose not to remove the simcard not even once.