A ****!!!! Declined a claim with no evidence

Appalling and disappointing service by Gaurdrisk. I have insurance for cellphone with them through MTN. The insurance promises a replacement device in 24 hours after submission of all documents. After 15 days of submitting the claim, multiple calls and emails to follow-up on the claim, I get feedback that the claim has been declined because the insured sim card was not in the phone at the time of the theft which is absolutely a lie because I have never removed the sim card from the phone. This is just a trick not to honour their obligation after I have always honoured my insurance payments with them. My advice, DO NOT take up any product with them. I took this insurance to have peace of mind but it has been nothing but stressful.