Vodacom Insurance Taking Money Not Honoring Claims

I actually rate Vodacom Insurance a-10. I've been Vodacom's loyal customer for ages! And never had a problem with their Insurance until my son's phone got lost in October 2020. I submitted a claim which was rejected on the basis of it being late. My son was in different province then hence the delay on my side & him not telling me as soon as phone was lost. Spoke to rude lady on phone who blatantly said to me "she is declining my claim". Went on up and down visits to 2x vodashop stores to try and get to bottom off this, still no luck, write motivational letter to Insurance, still no luck. Mond you meanwhile, vodacom is taking my money every month To Date! Cheated out of my money, paying every month for non existing device- which was declined because it was late?