Bully insurance.

Bad, bad and bad experience with finrite. I subscribed without any knowledge then later went to read reviews about this insurance. Everything I read was bad, I thought maybe its just the people who did not have anything nice to say or it was just an individual experiences from people and the insurance was not that bad. After a few weeks I drop my phone and broke my screen, my LCD was fine just the screen was cracked. I then booked in my phone to have it repaired. They emailed me after a week requesting I pay R1300 excess fee. I'm mean *** am I paying insurance for when I could fix my phone myself for R1400 at a local repair center? I then requested to cancel the repair and have my phone back. The lady that I called and requested cancelation gave me soo much attitude she didn't even say goodbye, she just drop the phone on me. Now I am being punished, they keeping my phone. I have been calling them return my phone but they keep postponing days. This is the type of stuff that makes one wish they were filthy rich so that they can sue bully companies like these.