Vodacom Insurance refusing to pay out my iPhone 6 claim

Vodacom Insure does not put the customer first. I paid my Vodacom Insurance for 3 years for my IPhone 6. In May 2021 my phone got water damage. I live 150 km from the nearest Istore. And only go to Bloemfontein once every 2 months. When I eventually got to the Istore a few months after my phone was damaged they said my phone can not be repaired. It took the Istore 6 weeks to send me a report for Vodacom Insuranse. For May 2021 I borrowed a IPhone 5 from my dad to use in the in-term. Due to my iPhone 6 not being used and non payment the insurance stopped in May 2021. Vodacom insure refuses to pay out my iPhone 6 Insuranse claim. They say that my phone was not covered when I wanted to claim in September 2021. Which I knew about, because I stopped using the iPhone 6 in May 2021 due to the damage. I had to wait for the iPhone report before I could submit the claim. It is really terrible service from Vodacom Insure refusing to pay out my insurance money or to replace my IPhone 6. I will not recommend them to anyone. Best thing is that I gave been a Vodacom client for 25 years. And this is how they treat me. Unacceptable!!!