Vodacom Insurance

So, I submitted an insurance claim, and due to unforeseen circumstances out of my control, I submitted the claim late (30 day claim period). When i gave a plausible reason as to why I submitted late (mind you, we are in a pandemic and in a third wave), my claim was still rejected. I don't mind paying a penalty fee. But to have the claim completely rejected is ludicrous to me. I'm definitely not impressed