Faulty replacement phone

[Lan]

Hey I have a contract for two years. My phone was only just gone a year old and it’s stop working. 
Called up to claim on insurance where I pay the highest amount. 
was told pay £70 next day delivery for a BRAND NEW phone just may be a different colour. 
I am a big worrier so I made the bloke on the phone say it a few times £70 next day for a BRAND NEW PHONE. 

next day dpd collected and a refurbished  phone was delivered. 

so called insurance explain what was said but they replied due to no stock you get refurbished and nothing else can be done. made a complaint as was falsely told one thing a received another .

was told I would received a phone call about my complaint still no phone call 
now the refurbished phone has gave up after two weeks! 
now where do I stand? 
can I get another phone? 
I don’t think I should have to pay any more due to it’s there fault with giving me a faulty replacement! 
The fact it’s no fault of my own that it really is just faults with the iPhone on both occasions I feel really let down by the insurance. 
I pay the highest amount just to receive faulty second hand refurbished phone that doesn’t even have a genuine apple back anymore so it’s even priceless if wanted to sell ! 
 What can is do please help?

[Cleoriff]

@Lan 

You need to get back onto insurance first thing tomorrow morning. You certainly WONT have to pay for a new phone  as they have let you down sending a phone not fit for purpose. You must refuse to pay anything else as well!

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