VODACOM!! ONCE AGAIN FAILING IT'S CUSTOMERS

My cellphone was ****** during a home invasion. I tried to replace my cellphone, which was insured with Vodacom. I was today informed that I have to make a payment of R5 000. If not, they would give me a downgrade. The reason? They underinsured my phone. How is it that they underinsure my phone and now they have made it my problem? This is service at the poorest level possible. I must add that I have read many complaints about Vodacom and I don't see a single response from them to any complaints. This shows that they couldn't care less.