This is the worst insurance company ever!!!!

My phone is almost 1 year old and the screen cracked. I took the phone in to TELKOM MOBILE for repairs. The phone was send to Finrite as they are the insurance company. I have now been informed that I will have to pay an excess fee to have my phone repaired. Firstly no one informed me that a excess fee will have to paid to have my phone repaired. Now Finrite sends me there terms and conditions. I read everything just to find out highlighted in red " if you claim within 6 months of the purchase of your item you will be liable for a percentage to be paid." Why must I pay excess fee if my phone is older than 6 months.

When I asked Thembani Sathekge call centre agent about these terms and conditions firstly he does not reply so I had to email him again requesting feedback. He just bluntly answers my phone will not be repaired without the excess fee paid and must they send my phone back unrepaired.

The amount requested for excess fee is the cost of a new screen and that is basically what is unaccepted in this case.

I feel like stopping my premuim and stop paying telkom mobile. WHY DO YOU PAY YOUR PREMIUMS EVERY MONTH AND STILL GETS CHARGED FOR YOUR REPAIRS.

I request that a manager gives me a call or someone that would be able to make a discussion.