Disappointed client.

I insured my cellphone with MTN (underwritten by Guardrisk) administered by Adymntec. I would first like to talk about the explicitly bad service I received from Adymntec. I filed a claim on the 29th of May 2023, wrote emails, followed up with several calls, and was taken from pillar to post until the 18th of July 2023 When I called. Secondly, I also requested my policy inception recording to no avail. With that too I was taken from pillar to post, tossed around from agent to agent without success. On the MTN website, they proudly stated that the claim processing or turnaround time is 72 hours which baffles me judging from the treatment and time taken to receive any correspondence from you. This process to me was not only tediously exhausting but was also extremely disappointing.

Furthermore, I eventually got told that my claim was rejected on the basis that the registered SIM card was not on the cellphone when it was lost as per the policy wording. The policy wording was never sent to me in writing which is via the Email that I provided. I would like to believe that it is a procedure for any insurance company to send policy wording to the client so that one can fami****ize themselves with the policy schedule. A telephonic agreement often leaves a lot of clauses and information behind. I, therefore, would like to state without a shadow of a doubt that neither Adymntec nor Guardrisk never afforded me the right and privilege to send me the policy wording wherefore I could have verified all clauses of the verbal contractual agreement I went into. I am really frustrated as I am going to continue paying for a contract phone that I do not have.