Vodacom insurance the worst ever

Vodacom insurance is the worst,I lost my phone which was R8650 when I got it,and got an upgrade on the contract I was on,I requested my insurance to be on the replacement phone I got which was honor ,200 lite.which was not done,few weeks after I called to notify them to add my honor 200 lite on the insurance not the upgraded phone and it was done ,my installments was increased to R199 for the insurance from R143.,Now I lost my phone went to claim for insurance and when I got there the insurance was still under the upgrade which I asked them to fix it to what I was paying for,they did fix but now I was told I can only get a phone for R7500 as the market value for the phone I lost has gone down and the betterment fee is even extra from the replacement phone I want,how can I pay R200 for a R7000 phone,I understand the access is now 30% as I claimed 21 months after I have claimed but I cannot ensure a 9k phone and replacement is for a 7k,make that make sense,just wanna claim for the phone and cancel the damn insurance,the worst of the worst