Credit Insurance, why bother!

I have been in communication with Capitec's credit insurance department since end of April in order to claim due to loss of income. Sending and responding to e-mails is the only way to get in touch. I have been to a branch and phoned. Every time I end up at only being able to send an e-mail. Turnaround time between these mails are 3-4 days and the last mail hasn't been responded to in a week! In the mean time I get demands for credit card payments being overdue and my credit score going down the drain. Lovely!