Utterly Disappointed!

I am utterly disappointed with Vodacom! I recently registered a claim with them for my Samsung S20FE, it was approved but to my surprise my phone was only insured for R10000, which I had no say in. I am now subjected to select a phone that is inferior to the one i had because of the insured amount. I then opted for them to pay me in cash and that was not an option either. I then agreed to pay the betterment for a Samsung S25 and even that is an issue!! I cannot understand how any of my choices are refused by my insurance company!! you guys cannot put me back in the same position i was before the incident, yet you are refusing for me to opt for a phone of my choice!! How does that make sense! I am utterly disappointed with Vodacom and will never insure anything with them again, as a matter of fact, i will remove all business i have with them!