Guardrisk insurance-well use any excuse not to pay you out !

Ok ,so here's an update , after repeated emails and calls ( last week they told me they couldn't get hold of me so I called the lady in question. And asked to be put through to her and they kept me on hold for 47 minutes- I even took a screen shot of the call and emailed it to her ) they responded to me yesterday. They claim they cannot help me for these two reasons....your going to laugh now... 1./ It's my fault that I took too long to notice that they were adding on their insurance policy ( that was in someone else's name and ID details) and because I took so long they cannot assist me. 2./ I am unable to provide them with a insurance waiver form signed by myself ( I assume) for a policy I did not take out or is in my name . Apparently because I cannot supply this form for a policy I had no knowledge about for someone else is my fault and responsibility. Providing them with the signed documents from MTN which states " the customer is responsible for arranging their own insurance cover should they so wish " also Apparently makes no sense to them , so general public, yes, all those people who enter into a new phone contract with MTN beware...Guardrisk is just waiting to **** and catch you and are hoping you'll also give up ,not me ,next stop OSTi ..the Ombudsman....I'll keep you updated and what steps Guardrisk take to hold onto their ill gotten gains !