VODACOM INSURANCE IS ****

Literally have been paying Vodacom phone insurance for four years (R160 pm), earlier in this year I changed my phone. and lost this phone recently. But apparently when I changed my phone way back, I was supposed to let them know about the change and they did not bother to let me know that in any way. But they state that "YOUR CLAIM WILL NOT BE PAID IF THE VODACOM SIM CARD LISTED ON THE ATTACHED SCHEDULE IS NOT IN USE WITH THE INSURED CELLPHONE AT THE TIME OF DAMAGE, THEFT OR LOSS." so they obviously know that I changed my phone. I feel like I've been ******. This is disgusting. Please give me my money back.