Vodacom Comprehensive Insurance ****

Vodacom has been promoting their Comprehensive Insurance, specially to customers who with an upgrade received a Free Theft Cover for 12 months. My phone is a iphone 13 Pro. In mid April, I opted to take out the Comprehensive Insurance for R199.00 per month in mid April 2023. This, since my Free Theft Cover was coming to an end. On the 16th of May 2023, I took my phone into a Vodacom Store to check in my phone as I had accidently dropped it and cracked the rear panel of my phone. After many phone calls and frustrating sessions with the Vodacom Insurance Department I have been sent on a wild goose chase and referred back to the Insurance T&C's which I was never made aware of or received a copy there of and are not found on the company website. They were quick to take my money pro rata for April and May. Now they are saying that they cannot repair my phone and thus have to replace it and want 30% Excess payment from me (+/-R8000) and because they cannot replace it with the same phone, cannot repair it, they want me to accept a replacement Iphone 14 Pro. The T&C's apparently state they I can only claim after three months. However, I have been with their Theft Cover for nearly a year. People reading this, please pay attention to the T&C's. This is a ****.