Vodacom insurance ****

I bought a phone online and didn't add insurance cause I didn't understand it, I then received a call from a sales person and insurance was then added, my phone was ****** and when I went to claim I was then told I only have sim card insurance. Why would I pay over R25 a month to insure a sim card , it's stupid , when I can buy a sim card from any retailer for R5. Now that I want to downgrade the package at the very least since I can't get a replacement , I get told that I will have to pay a migration fee. This is why mobile contracts and insurance are a big ****. Taking my money and me getting nothing in return.