Vodacom insurance is a ****. What they promise is not what they will deliver.

I have put in a claim for insurance yesterday and I was told my excess is 15% of which I know. Now they say I have additional excess for bitterment for taking Iphone 17 promax which is the replacement of my 15 promax. I was paying premium for them to replace my phone with the replacement one should the 1 I have is no longer on market. They are taking a premium of replacement value that it covers for the replacement phone but I must pay extra excess or downgrade while I had insurance that it should cover me to be on the same position I was prior to loss. Down grade is not the same position I was prior to loss. This is daily *******. They didn't reduce my premium to downgrade the cover. I have spoken to 2 advisors who both drop the call and didn't return my call. the first one was Letta and the 2nd one I dont know.