Vodacom insurance

<p>I insured a Sony experia z3 with vodacom for &nbsp;which I was paying R194 per month meaning my device is covered for(R12000-R13000). I then &nbsp;lost my experia z3 last year and I made a claim, I got a Sony experia xa which is half the value of experia z3 however &nbsp;I continued paying the same amount of R194 with the new device . I got ****** this month and lost my current phone which is experia xa. I went again to vodacom to make another claim..the insurance company said I can not get a phone worth R13000 even though I am covered for that much because I was using a cheaper phone. Please advice on what to do in this situation.&nbsp;</p>