Vodacom insurance is useless

I have been using the Vodacom insurance for 4 years and it is useless as I recently found out. Vodacom allowed me to upgrade only just so they can reject me claiming on my old still insured device. It's a **** as according to my knowledge I insured the device and not the Sim card, they should of told me to fix it but they were quick to suggest I upgrade it first then I'll go fix the other phone. Waste of money for all the years I did not claim I wish I knew this sooner honestly.