Unhappy about the very high excess

Good Day

I have been a local vodacom customer for over 20 years and had many issues however I still stayed but this is forcing me to consider another provider who I have other contracts with as I am always disappointed by Vodacom.

I had put a claim and received a ridiculous excess amount for a phone which is over R8000 I called to find out why and was told that it's because I claimed too early however I've always had insurance the only difference is that we were attacked and involved in shooting a few months ago and I checked when I checked my invoices I realized that my Samsung wasn't on full comprehensive which I switched over immediately.

I don't dispute that I need to pay the excess however I cannot afford to pay 30% instead of the 15% which is the normal excess amount and all because I am told that it's a new contract.

I would appreciate it if someone can urgently assist in this matter as I need a telephone.