VODACOM INSURANCE ITS A DAY LIGHT *******

IM SO DISSAPOINTED IN VODACOM SERVICES ,I BOUGHT A PHONE LAST YEAR IT INCLUDED INSURANCE SO , TOOK IT SO OVER THE WEEKEND I ACCIDENTALLY DROPPED MY PHONE SO ITS DAMAGED . I WENT TO VODACOM YEASTERDAY SO UNFOTUNATELY MY SIM CARD WAS NOT IN MY PHONE ON THE TIME OF INCIDENT ,MY CLAIM IS DENIED AS I WAS PAYING THEM R120.00 EVERY MONTH FOR NOTHING ,SOMETHING THEY DID NOT WARN OR TELL ME ABOUT BEFORE I TOOK THE INSURANCE AS I TOLD THEM WHEN IM BUYING THE NEW PHONE IF I CAN USER MY OLD VODACOM SIM TO MY PHONE AS ITS LOADED DATA EVERY MONTH THEY SAID NOPE ....MIND YOU IM PAYING TWO SIM CARDS FROM THEM ONE FOR DATA ONE FOR AIRTIME WITH INSURANCE ..