Shocking insurance service

I am absolutely appalled by the service that the Vodacom handset insurance administered by Finrite offers. I have been paying the R200 for the past 24 months since I received my new handset without fail and have not claimed once from them. My phone has a cracked screen now and they want me to pay in over R500 as an excess?? So I have paid about R4800 to this insurance overt eh last 2 years and they want to charge me to replace a screen!!!! Poorest insurance service ever and I would urge anyone not to even touch or consider it. I have asked my wife to go and pick the handset up as I would rather keep on using it like that than be ****med like this and I am also cancelling the insurance as soon as the poor service center picks up my call. Worst service ever