Vodacom Handset Insurance Ripoff

Good day, I'm not usually someone who complains but have had a bad experience with Vodacom service regarding a screen repair. I'm on the red premium plan and spend a lot of money monthly with Vodacom. I upgraded Dec 2019 to the red classic + plan with a new handset Samsung S10e. Last year I dropped the phone accidentaly and the screen cracked. Note that I bought the screen protector and pouch from Vodacom as well but the best part is that I took the INSURANCE on the handset also. I sent in the handset and received a quote for R6018.92 to repair the handset from VODACOM REPAIRS WITBANK QUOTE NR :***5. So I phone the lady @ my Vodacom shop to say that I have INSURANCE on the handset only to be told that its not going to be repaired because I took out the sim... That was never explained to me in the small print and I wasn't aware that you are not allowed to take out the sim. How was I going to be able to do my day to day business without a phone... I'm very disappointed in Vodacom. Why not give alternatives of some sort so that I can get the handset fixed...I will never take out insurance on another handset again and would advice everybody to do the same , it's a waste of time an money. Regards