Vodacom - Worst insurance ever.

I've been paying comprehensive insurance on my contract for more than 5 years. I've had my contract for more than 10 years, never did Vodacom have a issue with me having them to beg me for their monthly installments. No, all my payments are up to date and never missed anything. But when it is time to rely on Vodacom it is a total different story. My Iphone 12 Pro Max got ****** on 21 August 2021. 25 August I started calling vodacom to submit a claim. As a client paying comprehensive insurance for 5 years I wasn't found on the system in order for me to finalise my claim. A form was sent to me to fill out and all the instructions was given to me for me to proceed to get the new phone. On 29 August I went to Vodacom in Rustenburg Waterfall Mall, where I was told, I had to pay a additional R10000 if I want the same phone as the one that was ******, or the other option was to pay in R2000 to get the Iphone Mini. Why will anyone in this lifetime pay for insurance to know that you won't get the same phone as the one that have insured? What is the reason for us to have this nonsense insurance if you are still just making money out of a unforeseen and unwanted event? I'm paying R100 to have comprehensive cover on a R95000 golf cart, and Vodacom tells me I have to pay large amounts after I've been paying R190 for more than 5 years without any claim? It's the same to say you insure a Mercedes but you are only covered for a Fiat