Vodacom’s ****

My dad is the contact owner of my phone , he had a 3 year contact with insurance that was supposed to pay out 25K if ever the phone was lost . My phone was ****** and I went to claim , only for Vodacome to pay 15K and say due to the fact the iPhone 12 Pro Max is discontinued the insurance terms and conditions changed and decreased. No one informed my dad nor did he sign that the contact would he amended . I ended up paying 15K cash and they paid the other half which is entirely unfair as my dad didn’t sign to be covered with 15K only. Fast forward Vodacome said my dad should pay an additional R1500 though the phone was fully paid 7 July 2024 . How must he pay R1500 for a phone that is fully paid for? They said he didn’t call 1 July to cancel the contact. If the contact is 3 yrs and it’s fully paid , isn’t it the network provider to reach out to the customer? I get you can pay for the airtime but why is he paying for another instalment for the phone ? As if it isn’t fully paid. The new phone 15 pro max is insured but Vodacom just said it’s pay as you go , they didn’t send any new terms and conditions for the customer to know when they can claim or what the customer is covered for . Vodacome , is ****ming an overcharging people . I pay for the phone even though my dad is the account holder why must I pay again a full installment for a phone that is no longer on contact. The contract should automatically fall of the price of the phone and only the airtime should be charged!!