The worst service ever

I lost my phone at the end of August, put in a claim with Callsure and paid the excess of R900. It been close to a month and still no phone and no communication from them. I dont understand how MTN ( I got the insurance from them) do not vet the suppliers they use. I am beyond frustrated at this point and when I called to inquire about the progress, I was told that I should buy a cheap phone and continue to wait. I actually blame MTN for all this nonsense.