Vodasure is a ****

I have an insurance policy with vodasure, its almost 3 years my device is insured with them and i am paying R457 per month for an Iphone 13 pro max.When i insured the phone in 2022 then i was paying 360 and i was coverd for 25***0 because my phone was R28000.Now I lost my phone and i am claiming for a new device they saying my phone is insure for R22000. I tried to communicate with them regarding the cover issue they saying they cover the cost excluding VAT not the Market Price of the device.When I first insured the device i was paying R360 which is a cover of R25000-R30000 . My question is if they cover the cost Exc VAT the device which is R22000 why am I not paying for a cover of R20000-R25000 but the expensive one.In 2022 my insurance was R360 but because of the anual increment it went up twice which why now i am paying R457 and i dont have a problem with that.My dispute is why am i suppose to pay a Betterment Fee of R9000 plus My Access because of now I am on a low cover,i was paying for something else for the past two years almost 3 years.I dont have a problem with the access since i am aware of it. I just want to be coverd for the money I was paying for and vodasure also cancelled my cover now without my concern apparently its because of affordability how can i not be able to afford my insurance where else i am paying vodacom every month.Vodasure is just trying not to pay me and its not fair because invoicing a payment they dont an issue with that but paying out they dont know how to do that.