Guard Risk Insurance is a ****

I bought a Zflip Samsung with MTN contract and took an All risk Guardrisk isurance. 10 months later my flipping phone screen stops working and the screen is black. MTN store sent me to Guardrisk to claim. Guard risk declined my claim saying its not a physical damage. 1. I am covered for any risk including physical damage. 2. They misquote what I say on the claim form and decline my claim without even looking at the phone. They are a ****