USELESS SERVICE ON INSURANCE CLAIM

Whats the use of insurance if you want to claim for a phone that was ******, when the phone you being insured for just isnt available anymore and nobody can get one or advise a client where to go what to do, but then eventually get told to upgrade but then your excess quadruples and they stuff the order up with insurance on top of it. A whole day wasted on vodacom and incompetency once again!!! It starts with calling the insurance and waiting 6 hours on the phone then I drive to the insurance to get claim number because at vodacom they just dont try to help they just send you on your way and get tired of holding themselves on the phone. Then the insurance Cellsure the idiots tell you oh public holidays have caused such an influx to our bad service. So now I have to wait until mid April to just see if iphone 6s will be available. I have been paying insurance for a long time now but they only insure for R15000 so where does the rest go? Surely that must go into helping with excess not just capped at 15k?????Pure *******, not only did ******* rob me today but Vodacom and Cellsure together!!!!! I need answers I dont have a phone and Ive been *****ed in every way!!! #vodacommustfall