UNHAPPY CLIENT

I took out a contract phone with Vodacom and the consultant that was helping me gave me the wrong information regarding insurance. I specifically told him I am not interested in a Vodacom sim card I just want the phone, he said their wont be any problem if I don't use any other sim card. I have been paying my insurance since December 16/2020 and now my phone is damaged I tried claiming from the insurance but my claim is rejected due to me not using the Vodacom sim card. So my question is why did they accept my money all this month knowing exactly should there be any claim towards this phone the insurance won't pay? My monthly installment is 259 for this insurance. ALL MY MONEY WENT DOWN THE DRAIN