Vodacom insurance is a ****

Worst experience I have with Vodacom insurance, they are a ****. I took out insurance on my two Apple iPhone 12 Pro Max 256GB devices at the time to a value of R30 000 each. I have been paying premiums for R30 000 value, now I am told when they are lost that the replacement will be R20 000 each and pre-owned. At no point was I told that I would be paying a higher premium for R30 000 to be replaced by a pre-owned R20 000 device. I do not accept this **** practice. I want to be replaced for what I have been paying for which is replacement value of R30 000 and nothing less. Such a BIG company to try and **** me of what I have been paying for is unacceptable. I am now without phones. No work or contact I have, all my emergency apps and access is depending on my phone. I need higher management to sort this out ASAP. Complaints email and call centre are not willing to help. They keep giving stories to accept used phones rather than new devices to the value I insured for. I would not leave this till it is sorted.