VODACOM insurance t&c’s useless

This is the second time with the same experience with VODACOM insurance, highly disappointed with the service as a RED VIP client Cell phone was ****** in early December, the claim was approved and all was well. I was then advise the Phone was no longer available and would have to await for the new model. One month later still no device and I was since advised that my insure cover was on my previous device and not the recent upgrade. The SIM card was in the device and the claim approved. Now I cannot get the same device and the access will quadruple for a replacement, the insurance company said they would have to review my policy and I would need to pay in the revised premium (backdated). It would make more sense to cancel the insurance and purchase the new device cash!!! The cover should be for the same phone or a replacement at the inflated price Really reconsider VODACOM and the insurance policy as this is the second time and day light *******