Budget or *****?

I took out a cellphone insurance policy for a Samsung S4 and a Huawei P8 Lite with Budget insurance in December 2016. They've consistently debited my premiums on a monthly basis, even increasing the premiums, yet when I tried calling to claim for my Huawei P8 Lite which stopped working in March 2018, the phone was put down in my face. Luckily I still had my Samsung S4 which I used up until it caved in August 2018. I then contacted Budget again to receive the same put down in my ear treatment. I had no idea I had to register on the website to claim. In December 2018, a friend told me to go on the website. I registered but my policy details did not appear. I then logged numerous calls for them to contact me back, nobody called back. I also sent emails asking for details so I could have the phones fixed or put in my claims. Nobody responded. My niece needed a phone so I gave her the Samsung S4 as my contract upgraded to a Huawei P20 Lite, provided she would have it fixed, which she did, except for the cracked screen. I don't think she kept the receipt as she is only turning 20. I called Budget Insurance who kept me on the phone for over an hour, wasting my work phone bill and my cellphone bill only to tell me I can't claim because the phones have been broken longer than a month so it will be chucked out. They do not do cellphone insurance anymore. I was going to take out comprehensive insurance and add my new cellphone. I then asked to stop the debit orders and the retention department said they thought I should claim. I explained what had transpired and that I could have **** like the rest of the world and said that my phones were lost, just submitting an affidavit, but I can't because I'm an honest person so told the truth only to discover I've wasted my time, money and effort on debit orders, data and phone bills on Budget Insurance who are *******. Please don't use these people, except for the Retentions Department (hopefully if they stop the debit orders) they do not have values and will ***** you out of pocket. Contact me ********** 764 if you want evidence.