Viva and Guardrisk Insurance

I have insured several devices with Viva Insurance as well as Guardrisk. I have paid for my device insurance and recently lost two of them. I submitted a claim and my claim has been reject, as I am still in a three month waiting period. However, the consultant who contacted me due to one of my devices not being on their list, advised me that I will be covered immediatly after my first payment has been received. I am currently borrowing a phone from my mother just to have contact with my employers. This is totally unacceptable and pathetic service. I will cancelall my policies with Viva and Guardrisk if the matter aren't resolved within the next 24 hours. See to this as a matter of urgency.