Vodacom & Cellsure colluding on lies, false promises, to run away from contractual obligations and liability at upgrade and claim stage

My mother with cellphone number 082 333 4842 has been with Vodacom and Vodasure which changed names and hands over time but she's never moved from any of them as a contract customer. She's had multiple contracts in her name,her contract packet have ranged from Red VIP, Red Select, Weekender, to where she is now. She's also been on premium handsets since the beginning of time and when Samsung Galaxy was launched she upgraded to the latest Samsung Galaxy model and made sure she took the matching insurancecover. She lost her phone on 06.07.2020 and submitted a claim to Cellsure on 07.07.2020. Imagine my shock and anger when Cellsure said the approve the claim with a upper limit of R15000.00 and not replacement phone thats currently on the market which is Samsung Galaxy S20. Her insurance cover band is on R15000-R20000. It's unethical that Vodacom and Cellsure are reneging on their contractual obligations and practicing unethical ethical business behaviour and running away from their contractual liabilities. I will not rest until Vodacom and Cellsure payback my mum the total cumulative amount of all her premiums since she's had the cellphone insurance or replace her phone with Samsung Galaxy S20. I'm not sure if her claim number is CLM4203278 OR CLM4203278/58/6

Insurance policy attached. You will rectify this issue with immediate effect or pay her back all the premiums you've been stealing from her under false pretenses and promises. It's not a negotiation. Fix this issue before close of business tomorrow, on 08 July 2020.