WHY PAYING INSURANCE IF THEY DECLINE YOUR CLAIM

IM VERY UPSET, IM A VIP RED CUSTOMER, PAYING ALMOST R6000-00 A MONTH FOR MY 4 CONTRACTS.<br> <br> NOW THAT IVE GOT A CLAIM (MY SAMSUNG S5 FELL AND THE SCREEN CRACKED, NOW CELLSURE IS DECLINING MY CLAIM BECAUSE MY OTHER CONTRACT SIMCARD WAS IN THE PHONE.<br> <br> DO WE NOT PAY INSURANCE FOR THE PHONE?????? AND NOT THE SIMCARD.<br> <br> I THINK ITS TIME TO CANCEL ALL THE CONTRACTS BECAUSE THIS IS FALSE ADVERTIZING IF YOU PAY FOR SOMETHING AND NOW IT CAN NOT BE REPLACED.<br> <br> THIS IS SO UNFAIR