worst insurer ever

if you want to insure your devices rather do it with a more competent insurer and save yourself some trouble i have my phone insured with fnb and yesterday i reported that it's not working i am still waiting for their service provider to collect the device yesterday the courier cancelled the collection without communicating and same thing happened today am sitting here without a phone but i have been paying fnb for 20 months i have never claimed for my phone and after trusting them with my money for almost 2 years they can't even provide good service \