Vodacom iPhone insurance dispute

I bought an iPhone 13 in 2022 and also took insurance on it which covers it for R15 000 to R20 000 and I was paying close to R280 for insurance when I bought it.

I never had anything problems or ever missed a payment on my contract.

Now they stole the phone and when I went to claim I was told that I am to get a pre-owned phone because the phone I lost got discontinued.

When I asked to get a phone of the value I was insured for which is R15 000 - R20 000 I’m told that the value of it is now R11 000 and if I am to get a phone which is in the value of the money I was paying I will have to pay a betterment of close to R7 800, even after the duration of the insurance I was asked to pay an increment to my premiums.

Now I’m asking why didn’t they communicate that the phone I’m paying insurance is no longer available, or the phone has lost value so I decide if I want to continue or not, they said they did and when I say they should send me proof they start saying their emails are not working. When I ask to speak to a supervisor his always not available.

So tell me here if the phone I was paying insurance for is no longer available and I’ve never claimed insurance why don’t they refund me for the value of the purported price and I’ll buy a new phone which is available.

I can not pay such a betterment amount for phone which I did not have a choice to get. It’s rather they give me a new iPhone 13 or the upper version iPhone since iPhone 13 is discontinued, what makes it vexatious is that the store and also the head office does not have a brand new iPhone 13. I can not accept a used phone.

Vodacom iPhone insurance is a ****, please be aware iPhone users