Insurance Dispute

Probably one of the worst insurance with regards to customer service.

My iPhone 11’s screen cracked, they claim my phone is economically irreparable however when I ask them about my cellphones warranty or even returning the device no one can answer me.

I’m required to pay another 5% of the value of the phone when I already paid 5% for access. Mind you I have had this phone for less than 12 months.

When I engage the operators on the specific clauses of my insurance contract none of them can give me straight answers.

I’m going on 2 months without a phone and the same insurance expects me to make alternative means for a phone and pay access again?!