MTN Insurance/ Guardrisk is the worst.

The worst insurance ever. My phone was ****** on the 16th of December at a mall, I logged a claim via MTN claim for my phone. I sent through all the documents, including the police affidavit by the 19th. Thinking that they were processing my claim, I waited for an email until I decided to call them on the 4th of January 2023. I was caller number 23, until a consultant finally answered and told me they didn't receive anything.

She then went on to ask for the case number and I told her I don't have one. She said I should have received automatically after sending an email. I told her I didn't get one. She gave me a second email to send my documents to, still I didn't receive an automated email.

Now, after all this, they told me I need to wait another 2 weeks to have my claim assessed. 2 weeks passed and I called, only then did they tell me that the assessment have been done and I should wait for an email. They declined my claim only and only because the phone was ****** with a different SIM card. On the documents they sent, which I thoroughly went through, There is nowhere they mentioned this. I sent them an email telling them to give me where in the contract did they mention this.

After paying so much money from 2019 for a phone insurance, not even missing a single payment and this is the thanks I get. Very useless insurance.