Vodacom Insurance is *******

I bought a Samsung Galaxy S22 Ultra back in May 2022 and got insurance for the value of the phone which covered me up to R30k, my phone got water damaged in early August 2023. After damage assessment I was informed that the device needs to be replaced. I was later informed by Vodacom Insurance that I'm only covered up to R20k, I dispute this as my premiums were in line with cover up to R30k . Now Vodacom insurance is coming up with story after story when they have to pay up, it's been 2 weeks back and forth with Vodacom Insurance without any resolution. I'm at the point whereby if this is not resolved by next week I'm terminating all my Vodacom services and revoking all debit orders as I refuse to keep paying for services whereas I don't have a device.