GUARDRISK is by far the worse insurance i've come across.

To cut the super long story short. Last year on the 27th of September I wanted to get a phone from mtn but I was told I don't have any credit so I will have to build it and come back in 3 months. So because i really wanted the phone my dad took it out on contract for me and since the phone was under his name, it would only make sense for the insurance to be under his name too. I built my credit and i came back to do a transfer of ownership and mtn canal walk, it went through because i successfully built my credit, after the whole transfer was done, i asked the lady that assisted me if my insurance has been transferred too because i remembered that we had to personally call to get the insurance on the phone, so i thought we had to do the same thing again. The lady that assisted me said yes everything INCLUDING the insurance has been transferred. February came and they only took my phone bill off, I went back to the store and they said that i should contact the insurance and do it with them because they don't deal with the insurance stuff. So that's what i did, i called in and after the call and all i was told it is done. Next month which was march same thing happened and i called them again, I was away so i didn't take note. Then on April 23rd the same thing happened AGAIN, this time they told me they can't change anything because they receive the banking information from mtn directly and not from customers. So then I was sent to mtn to go get some documents so they can fix the little issue for me. Honestly something that shouldn't take so long to be done. When i got to the mtn store, i asked the lady at the counter for the document i was sent to collect, she had no idea where to get it so instead she called the insurance to confirm what they wanted, they spoke and after the phone call the lady went and printed some documents and told me to scan and send to the insurance. That's exactly what I did. Soon as i got home i checked my email and i had received a ticket number so i called the insurance again and gave them the ticket number, they then assisted me and end of the phone call i was told "The insurance has been transferred" so i asked how would i know, like will i receive an email or something, like how will i know. The lady told me i wont receive any proof, i should just wait for next months debit date and that will be my proof. So i believed and moved on. My dad asked me if the situation has been fixed because he was the one driving me up and down through all this. And like I was told on the call, I told him, yes the transfer has been done and it's now under my name. 28TH of april i don't know what transpired but he came to realise he has 3 phones under his name and told the insurance company to cancel mine knowing very well it's under my name cause I told him that. Because to him he doesn't understand why is the insurance under his name and under my name. I never knew about this, May rolls around and I see i've not been debited, my dad is not around so i couldn't ask him anything and truly since he wasn't around, few days later i had forgotten about it, so recently again after my phone bill went off, i realized same thing and i decided immediately to call the insurance and figure out what is going on. I called and spoke to Nqobile Radebe, she told me that the insurance was cancelled and I informed her that that's impossible because I didn't cancel it. She told me that the insurance couldn't be transferred to my name because the documents I had sent were not the right documents. I was so annoyed, the documents i received were from the mtn store, the insurance told the mtn store to give me certain documents, I wouldn't know if its the right documents or not. And if it was the wrong documents, after i gave them my ticket number, the insurance was supposed to review the documents and tell me what was missing or whatever, none of that was told to me. I was told that everything is done and it is now transferred to me. Even if they realized it after, They had days and time to call me because they definitely had my number, at that point I had called them so much they should have it. Plus my insurance was still registered so they one thousand percent had my number. Anyways, she then informed me that on the 28th my dad called in and so on. so i explained to her everything, she then told me to go to mtn and request for proof of insurance or contract transfer with both mine and my dads signature on it, I told her can i call her once i get there so she explains to the lady which she agreed and then i got her name, keep in mind, she sent me to the mtn store and gave me thumbs up to call and request for her when i get there. So as usual, again the lady didn't get what Nqobile wanted so i had to call in, I called and spoke to someone who i forgot to take the name of because i was holding up a queue, that person told me Nqobile is on a call and she will call me right back, i told her to tell her i'm at the store, I waited about 15 minutes no call and i decided to call back, I believe the person i spoke to is called Ayanda she was so annoying and wasn't helpful when i was requesting for Nqobile, that's how i remember her name because, understand im at the store, waited in line to be helped, it's my turn and i'm calling in, so people behind me are now going to wait really long to be helped. So i was so annoyed at that point, we didn't have a good call, she told me Nqobile is on lunch, that made me more upset, because i am at the store, waiting for her to call me back for 2 minutes to tell the counter lady what she should give me. I waited again for a while and called back only to be told she has been back from lunch and is on a call, mind you i'm still at the store waiting on her. Not like she forgot or anything, I called in several times. I understand if she had been working tirelessly and needed that lunch break but as soon as she got back in before taking other calls, she should have called me. Eventually I gave up after 2 hours of waiting at the store for her to call. I decided to call again on my way home and crazy enough she was the one who picked, she asked me if i got the documents and i was so upset because i had been waiting to hear from her so i went off and told her, "how can i get the document if you didn't pick at this point you need to contact mtn and get the documents yourself" she was then asking for the store and stuff, so i think she was going to contact them herself. Anyways, I really don't remember how this call ended. But I remember her saying they were going to listen to call recordings. The next day I spoke to Mamelo, she said the same thing about listening to call recordings and they would get back to me "never did". I called the next day requesting for Mamelo and Ntombikhayise told me that Mamelo will call me back because she is on a call. Mamelo never called back. I then spoke to Phindile, she said she was going to get the recordings from the front desk, they requested for the number i used to call in on the 23rd, which firstly how would i remember something that happened almost 2 months ago, if i knew this is how the company was, i would have kept track of everything, from sneeze to cough, secondly, when i spoke to nqobile she stated i called in twice on the 23rd, so how would she know and the rest don't, so i dug and gave 3 phone numbers that i could have possibly called with. I gave it time and waited for Phindile to call me back, the next day i called and spoke to Mutshidzi at 10:58 requesting for Phindile, i don't remember what we spoke about but i know he said Phindile will get back to me. She never did. I called again at 16:14 while getting ready for work and Akhona told me that Phindile is still going through it and she will call me right back, I told her to tell Phindile to call me the next day because im headed to work and i wont pick up. Next day came, Phindile NEVER called back. I then called in the next day and Lebohang said this thing takes at least 24-48 hours and that Phindile will call me back. And till this day, i have not received a call back from this insurance. I have been denied access to speak to their manager twice already. And I'm not being taken seriously. So please don't waste your money on them. On several occasions when i was at the mtn store i was advised to not use this insurance. Even the staff at mtn don't use their insurance. So even MTN knows they are a terrible company but I don't know why they still use them as insurance. What frustrates me more is they were so quick to cancel something that has been taking me months to move to my name. What's even more annoying is i've been calling regarding this specific insurance and they could see all previous call logs. They should've delayed it as much as they delayed trying to transfer. They messed everything up, I have never been this upset about a company and its staff.