Bryte insurance

Refuses to do an cash in lieu settlement... For a cellphone. My husband was in an Armed ******* last week Thursday 02 September 2021. Bryte insurance is treating us unfairly with regards to the settlement and or replacement of my husband ****** phone. Which all of us know we need our mobile phone for work purposes. We have provided them with a quote and all required information and documents. We are struggling to provide Bryte insurance with the ITC number (note that the delay is not from us as we reported the phone ****** and blocked my husband number with cell c customer service, cell C picked up an error on the IMEI number we have provided even provided cell C with an photo of the ****** cell box with all the details on to assist us with the ITC number, every follow ups with cell C we get an reference number and that they opened up a case and busy investigate the resolve the issue in order for cell C to provide us with the ITC number) i have explained and pleated with the insurance and provided evidence of all cell C reference numbers that the delay is not from us. Now Bryte insurance only do an cash settlement if only the phone needs to be repaired. Hello the phone is ******. So in the end of the day Bryte insurance uses there own supplier who provided them with a better and cheaper quote for the replacement of the ****** phone... Now my question is they refuse to do an cash settlement as per our quotation provided we as the public don't have a supplier to provide us with an cheaper quote no no no so Bryte insurance is being dishonest and refuse to do an cash settlement nor replying my husband ****** phone without the ITC number after we've provided them proof from cell c they busy working on the error. Bryte insurance will not do an settlement even if you provide them honesty with a quote that amount less excess you will not receive they use their own supplier and you will get much less how pathetic.