Vodacom claims department/ insurance claims

In 2022 I took out a contract with Vodacom and on the same day I took out insurance with it. It’s been 2 years now and unfortunately I got gun pointed a couple of 1 month and 2 weeks now. When I started the claim on the same day my phone got ******, I proceeded to do a claim to get a replacement for my cellphone from vodacom insurance. When I took out my insurance with them I was under the impression that I am covered for the cost of the value of the phone when I took it out which was R24000 till this day. I soon got a email the following week stating that I am under insured because apparently I took out insurance for R15000. Now vodacom agents are missing selling us false information about our insurance because when I took it out I was under the impression I will be covered for the value of the phone and I had signed the docs under that impression. When I took this insurance out I was at Menlyn vodacom store where I had assistance from a vodacom agent from there. Now I am being told that I must pay a short fall, a betterment and excess fee that could be +- R9000 before I can get a phone that is a second hand pre used phone. I have been dealing with for over a month and stuck without a phone because vodacom do not want to take accountability for their agents miss selling customers insurance policy. Because I thought I was the only one I asked around some people said that they experience the same things I’m experiencing currently which took them months before they got their phones from vodacom. If customers like us are experiencing this how many more other customers are being sold the wrong insurance cover by vodacom representative.