Vodacom Insurance a ****

I have been paying insurance for my business phone for more than 5 years. when my screen broke the Vodashop said they cannot help me. so I removed the sim and put it in another phone so that I can keep doing business. I asked around about this supposed insurance I have and a service consultant said they should have fixed it but because my sim is now in another phone they cannot help me. firstly when i upgraded they did not change the insured phone to the upgraded one and secondly they wont help because I had to put my sim in another phone to continue business. they should pay back that monthly R200 for the last 5 years!!!!!!