*****ing and hiding behind Terms and Conditions

<p>Almost 4 years ago I recieved my Samsung S4 o contract and took out insurance with Vodacom themselves to have phone covered in the case of theft. 2 years on and I upgraded to a new phone and hence gave the phone to my fiance. Couple of weeks ago the phone got ******, as such phoned customer care to get the phone blacklisted. Phoned the insurance department today and tried to claim and I got told the claim is declined due to usage. His explanation was thet I did not have my SIM card in the phone therefore the claim is invalid. With this I have two problems, one, I have a new phone so why will my SIM card be in the old phone, and two, why do they still take the insurance premium if that is the case? I mean I pay the insurance for the phone not the SIM card so why is it relevant which SIM card is in the phone? When asked the same questions the guy on the line did not know what to say for few seconds and then all of a sudden........</p> <p> </p> <p>"Sir that is part of the terms and coditions". So basically i have paid almost two years of premiums for no reason, they refuse to refund me these premiums. So I am basically less one phone and all the money I spent on the premiums. I have had it with thier ****, this the second major issue I have had with them in less than two years that ended up costing me money and they sit back and laugh about it.</p>