Insurance is a scam they dont cover the phone

Just trying to warn everybody when you purchase insurance through this ripoff Company a tale to tell you that you're not buying phone insurance for the phone that you purchased your buying it for whatever phone your SIM card ends up in in which case how does that work if somebody steals your phone and cakes the SIM card out and puts it in another device that would be the device They cover under your insurance I am calling my lawyers tomorrow