Legal advice on telephone contracts and insurance

Questioner

case: 1 I pay monthly for a phone a payment. This is contractually arranged. However, the device in the contract is not the one I have in my possession. Type and Imei number are not correct. 2 I pay insurance for the same, wrong contract number 3 The phone in question was exchanged on the day of purchase due to a defect. Now I have damage to the phone. The insurance does not cover because my device is not the 'right' one. The Imei number is not correct and must be converted to the exchanged copy. The telephone provider (telecom company) is unable and/or unwilling to provide me with the information, which means I cannot submit my claim. Ask. 1 I pay a monthly amount/loan for a phone I don't have. Can I get it back? I pay for a device that will never be mine/can be paid off. 2 I pay insurance for a device I don't have. Can I claim that back? Because after all I pay for coverage that can't be claimed. 1 and 2 are directly connected to the device. Please your insights. The customer service of the telecom supplier refuses to do anything. The insurer needs information about the bill of exchange. what now?

Lawyer

Interesting legal question, I think it boils down to you now having to put the seller in default, because there was a breach of contract from the outset: you did not receive an item that you could expect based on the purchase agreement, or at least the papers are incorrect. The seller must immediately put this right now that you are suffering damage that could have been prevented. As for suspensions or refunds: you insured the wrong product through no fault of your own. You can reclaim that premium, the services were provided and you made use of them, so I have my doubts about that.