Unjustified Policy Amendments and Unfair Pricing

I upgraded my phone with vodaacom and took an iphone 13 pro 256gb with insurance, and the monthly premium was R330 for a comprehensive plan that covers me up to the value of R30 000. i lost my phone and when making a claim i was told that i was covered for the value of R21 000 cause my device depreciated, which my insurance contract never stated that the phone depreciates but stated that i will get the device of the same value. My premium was increased from R330 to R506 without notice. My insured value dropped from R30,000 to R21,000, with no explanation. No communication was provided regarding these amendments. The new premium does not align with market rates for the insured amount. This violates Sections 22(1) and 48(1) of the Consumer Protection Act (CPA), 2008. I requested for them to refund me my premiums i paid since 2022 to date so i can buy the phone cash but they refused, and only replace me up to the value of R21 000. The R506 premiums i am currently paying is for the insurance cover of up to R40 000. i have never claimed since i had the insurance and i paying more than what i am being offered. VODACOM and TOGETHER WITH THEIR INSURANCE ARE ****ING PEOPLE. LOTS OF PEOPLE ARE COMPLAINING ABOUT THE VODACOM INSURANCE. IF YOU HAVE VODACOM CONTRACT WITH INSURANCE JUST CANCEL BECAUSE AT THE END YOU WILL GET LESS THAN WHAT YOU ARE PAYING FOR. VODACOM IS A ****MER.. VODACOM IS A ****MER.