I have claimed three times with Vodacom Insurance - twice for a smashed screen and once for a stolen phone. On all three occasions, I was sorted within 24 hours and had no issues whatsoever.
I have been so impressed by this that I wish Vodacom could insure everything for me - my car, my home, my health...
I hope you have the same experience. Being without a phone is pretty awful (for me at least).
New phone within 24 hours?