Insurance *****

I'm very disappointed with the service I got from Edgar's and finrite, I have a contract phone with Edgar's nd insured with finrite, my phone broke the screen and it wasn't charging so I took it to store to get it fixed, it was last year October, it came back somewhere November but I took it first week December because I didn't have R500 for access free that they requested, after paying in the store they tested the phone but it wasn't charging but the screen was fixed, they said have to sent the phone back for reassessment, after two weeks I went to check if the phone is back but it wasn't, the store made a call to the insurer but to my surprise they said the phone came with a new damage then I have to pay R1000 for 2nd access fee, I didn't understand why I have to pay for the phone that I didn't even touch, the phone has been in the shop since it came back, so damage was caused at store or courier service or somewhere at the insurance, I told them I'm not going to pay for the damage that I didn't cause, they said I have to since they don't have proof that I didn't touch the phone, I sent the email that proves the phone has been at the store, I paid the access fee it was 11:24 nd they re booked the phone it was 11:25,they said they will investigate it but with no success, I have been paying for the contract phone for three months for the phone that I didn't have, I had to cancel the insurance cause they were not able to help me, I paid for the charging system but the screen is still broke from the damage caused at the shop or courier, I don't want anything to do with Edgar's or finrite, I have a jet account but il close it as soon as I'm done paying the credit, and il make sure no one I know go to the store and the Hollard insurance, whether it's a funeral policy or anything to do with Edgar's I don't want it