Vodacom insurance is a huge *******

Good day Team,

I have an approved insurance claim with vodacom currently as we speak. I am happy that I'll be getting a replacement device.

However, I'm dissatisfied with how replacing goes. I purchased an iPhone 12 Pro and it was insured within the bracket R20 000 and R25 000. I am told the actual cost of the device at the time of purchase was R22 000 hence I'm insured in the bracket of between R20k and R25k. I'm fine with that. Now with my replacement device, i DON'T understand why when i need a replacement, i need to pay a betterment price from any amount greater than R22 000 when I'm covered to the value of R25 000

If my insured amount and premium were for an exact device valued at R22 000, however right now when it doesn't suit vodacom to see me as covered until R25 000 and any betterment amount should be any amount over and above R25 000,they have all sorts of clauses and terms and conditions

However when they are deducting my money, Vodacom is happy to deduct money for device valued at R25 000.

Can someone please assist me in finding out how so much *********** can occur in our beautiful Republic of South Africa

I'm available on ***