Vodacom insurance the ****mer

I have been with Vodacom insurance for over 3 years now insuring 3 devices i took at Vodacom Mall of Africa. On the 13th of December i went to Voda world to claim after an unforseen circumstances occurred. Vodacom insurance approved my claim on insured replacement devices (refurbished devices) which I was never informed of initially when I took their cover. I was informed that in the worst event of claiming Vodacom will replace the devices based on the value of the cover i took. I lodged the complaint to Vodasure, and their response came back the same that they have reviewed my policy that was never disclosed to me, that their initial assessment remain unchanged. Vodacom surely violates the Rights of the customers and contravene Consumer protection Act. They rob off their customers premiums and don't want to offer the promised service. They do not disclose the information and communicate from time to time with their customers of anything that can affect their policies. Beware of being ****med by Vodacom, look for a better service providers when insuring your devices. I have insured Iphone 13 pro paying R425 and Iphone 12 pro max paying R360 monthly for my devices to be replaced by way less than I am paying for Vodacom insurance is the worst service provider