Vodacom insurance

If there was an option for zero star, I would select it. I have been a Vodacom customer for more than a decade. I have a broken phone that was insured with Vodacom insurance that was not in use. When I took it in for repair, I was told that my claim is declined due to “usage”. I was told I should have read the T’s & C’s and that there is nothing to be done. They have happily taken the money for the insured phone but now that I want to use my service, it’s declined. I feel like I’m being ****med. I’m paying for a service they don’t want to provide. I have 4 phones insured with them. When I said I want to cancel, they just give me a shoulder shrug. I am very upset and am considering changing my service provider. I have 5 active contracts. They just very unapologetic and don’t seem concerned about that at all. Is this what service in this company has come to?