you can call me on ***

I took an insurance with Vodacom around march two weeks back my iPhone 6 which I bought cash from game 5500.I then lost my phone two weeks ago and my claim was approved. I was told because they have dis-continued the iPhone 6 and I can get 6s and I need to pay 20 % of deposit,because of my daughter did not like the color I then called again the insurance wanted to understand if I can change a phone, then the lady advised me that the I can only send get any phone that is maximum of 7500. I then went to Vodacom shop yesterday to take the phone yesterday I was told iPhone 6s was out of stock and they trying to get the insurance to approve the claim for iPhone 7 which cost R6319.The guy that was helping Phenyo called them this morning and they said I cannot take another phone and can only get iphone6s which cost 54f which I have to pay 25% deposit. I then requested my recordings from Thando and was told their systems where changed and the lady wrote she did tell about 25% . my question is about a phone with R5500 and the phone I am getting is R5300, why did I take the insurance then for cos I am loosing? apart from that I was told I need to pay 20% which now went to 25% I am loosing more than taking the insurance, why cant I get the phone that is to amount approved for? this is a total ripe off.