Cell phone insurance

They lack customer service. I took my phone for screen repair and I spent the whole month without a phone. They gave excuses that they did not receive the phone from the store and that I should go back to check with them. I had to leave my work early only to find that it was sent to them 5 days ago. Worse they replaced my glass screen with a plastic screen. The screen cracked on the speaker a month later and that's when I realised it was plastic. I took the phone back to the store only to find that Hollard cancelled my insurance after they received the R500 excess I paid for the repair without notifying me. I mean that's a breach of contract. They so not professional and I've never been this disappointed.