Vodacom insurance ****

I've paid R350 for comprehensive monthly insurance on my vodacom contract phone for the past 3 years without fail.Earlier this year my phone went missing after a funeral and I reported the matter to vodcaom and the consultant advised that I should lodge a claim. They declined the claim saying that my sim card was not in the phone which I knew was not true, the sim card is always in the phone because I was told to keep it there but I do not use it because it's not my primary phone. Luckily for me I was able to recover the phone after asking around. I went back to vodacom to report that I had found the phone and it was now in my possession, they then did a sim swap for me because they did not understand why the sim card was not reading. I kept the sim card in the phone as instructed until I had to take the phone in for repairs. The consultant took both my vodacom ( sim 1) and cell c ( sim 2) out of the phone when he took the phone for repairs. Vodacom is now refusing to fix my phone because they claim my sim was not in the phone prior to taking it for repairs even though their own consultant took the sim out at the shop. They are also saying that the phone is blocked and that's a reason for rejecting the claim, even though I wrote and submitted an affidavit stating that the phone was recovered as well as a form asking for the phone to be unblocked which they failed to do. Now I have to run around the whole festive season trying to get them to fix the phone while they continue to debit my account monthly, very *********,unfair and unprofessional. Vodacom is trying by all means not to take accountability and fix my phone as agreed in the insurance contract.