VODACOM SUCKS

1. my phone was lost on the 01 Jan 2019, on the 02 of Jan I called Vodacom insurance & they said I need to report & they gave me the ITC number, I went to SAPS to report & got the case number & send back the claim form to Cellsure insurance. On the 4th of Jan I called in to check the status of my claim & they told me that it's been approved I need to pay excess of R2073.00 which is the 15% of the value of the phone & I need to claim within the period of 60 days. I went to Vodashop to pay my excess, they took almost 2 hrs to answer the phone then they said I need to pay excess of R4400.00. which I don't understand why.

2. Vodacom has changed insurance without notifying me. why is the amount changed from the previous insurance company,