Finrite

I'm totally disgusted in telkoms insurance 'finrite' how is one still paying a Contract and they make you believe the ****!!!!! My phone dropped and I have taken it to the Telkom store where I was told no I should claim directly from the Insurance. Called three times insurance the very same day. It took them 2 months to collect the phone. When I do a follow up I wait at least 30 minutes on the line which I have proof of. Every agent I have spoken to tell me a bunch of dam lies, the last agen I spoke to was keatham(not sure of spelling correct) where he advices that I should submit invoice and they will sms me with the access fee and guess what still no dam fee, however I have an email of the 3rd December where I submitted the invoice. I now had enough of phoning after this people and I don't see why I still need to pay for a phone that not in my possession. The phone cannot be fix as it cracked down the middle and it's curved so for the life of me I don't understand what the delay is.