Vodacom Insurance A *******

Hi there I lost my phone Huawei P20 on Friday 27\12\2019 I went in to the Vodashop and were told it will take 24 hours for the claim to pay out after I visited the Vodashop I were told that I need to pay a 15% co-payment before they can give me a new phone. When I refuses to pay the co-payment and tried to figure out why I must pay so much I were told that Vodacom has changed there insurance company and that the co-payment increased with the change from 10% to 15%, after I spoke to the insurance company I were informed that I've signed for the 15% co-payment and then I asked that the contract copy must be e-mailed to me which they did and no where its stated what the co-payment is and they mailed another document that stipulate what the co-payment is which I,be never saw. If I new this I would have insured my phone with my personal insurer's. The guy at the Vodacom is still trying to get someone at the insurer to assist to try to get the extra 5% voided without any success. The insurance is trying to **** the people in this way to pay extra money they don't know about. I said let me upgrade so that I can have a phone and I were told if I do upgrade I voice the claim. I'm supposed to do banking on different banking apps for the company I'm working for that can't be done now because I can't get the insurance sorted for the past 5 days now. This is totally unacceptable as I were told this afternoon that the Vodashop will hopefully be able to get this sorted by 06\01\2020 so if you needvto insure your phone rather insure with your own insurance company and not Vodacom's as you going to pay way extra for your new phone than your supposed to do.