Phone insurance claim ****!!!

I took out a cellphone contract with Vodacom in April 2021 and insured the phone, till to-date. In 2022 December I took an upgrade (a second phone) however, the first phone stopped recording usage of vodacom and shows I last used it in Dec 2022. Today I make a claim as I lost the phone over the weekend, and my claim was declined because of USAGE. I have been using the data plan every month since I got the sim card and Vodacom summary in the website proves that the data is being utilized monthly however my claim is being rejected because of usage.

I request a refund of my premiums, and I am told they will not do that though they will not pay the claim. I then request a cancellation, Vodacom advised that I will still be debited for this month, even though my claim is being declineD.

Vodacom Insurance is the worst. Never again!!! Infact future phone contracts I am getting them on other networks!!!