VODACOM INSURANCE DOES NOT INSURE!!!FAILING TO FIX PHONE WITH INSURANCE.

I HAVE BEEN WITH VDC FOR +10 YEARS NOW AND THE SERVICE IS APPALLING. VODACOM IS A **** AND THEY ARE ABUSIVE. I HAVE AN IPHONE 16 PRO THAT I TOOK A YEAR AGO AS AN UPGRADE+INSURANCE,I RECENTLY TOOK IT IN FOR REPAIRS BECAUSE IT WAS NOT CHARGING. I'M USING THEIR CTYPE CHARGER THAT I BOUGHT AT THE SHOP FOR +R600,THE PHONE STOPPED CHARGING.BATTERY KEPT ON FLICKING UNTIL IT WAS FLAT.I TOOK IT IN VODACOM CAPE QUARTER FOR REPAIRS AND THEY REFUSED TO GIVE ME A PHONE THAT I COULD USE,MIND YOU I WAS TOLD THAT SHOULD ANYTHING HAPPEN TO MY DEVICE,I'LL BE GIVEN A PHONE TO USE WHILST THEY FIXED THE DAMAGED ONE.THE PHONE HAS BEEN DEAD FOR ALMOST 2 MONTHS NOW, I'M STRUGGLING AS I AM USING A NEIGHBOURS LAPTOP TO COMMUNICATE WITH KIDS+FAMILY.VDC HAS RECENTLY SAID I MUST PAY R3982.80 FOR MY PHONE TO BE FIXED, WHAT IS THE INSURANCE COVRING AS I; PAYING SO MUCH MONEY FOR IT AND HAVE ONLY CLAIMED ONCE SINCE I'VE BEEN WITH THEM.I NEED HELP PLEASE I NEED MY PHONE TO BE FIXED ASAP,I NEED THE PHONE, I USE IT TO PAY BIILS,TRANSFER MONEY HOME AND FOR THE KIDS, MY LIFE IS STUCK VODACOM IS NOT HELPING, I CAN'T EVEN CANCEL THE CONTRACT, I'M BINDED, I RECENTLY LOST MY DAD I'M GRIEVING THE YEAR HAS BEEN STRESSFUL,I FEEL SUICIDAL I NEED HELP. JOB NO.***6