Vodacom does not explain you all the information when you take out a contract

I recently took out a contract with Vodacom which included 2 months free insurance for theft,my cellphone was ****** I put in a claim it was approved the same day,I was told to collect a replacement at any Vodacom store which I did and was told I need to pay an excess of about R3500.This was never mentioned ro me when I took out the contract nor when I submitted the claim to Vodacom so I was not even aware that I need to pay an excess,this is *********,please don't trust vodacom they don't tell you all the information upfront,I will be lodging a complaint with the national consumer council.