Docking and diving to repair my phone

the insurance is useless and full of tricks my phone got damaged in feb this year and they haven't repaired it since but the funny thing each and every month they debit their premiums they never forget. Last week I decided to pay the access again so they could process my claim and they picked up the phone took it to cell c to repair Friday the phone was brought back not repaired when I call their call centre the agents have no idea what is going on they do not have a clue of what is happening they just put me on hold for 40mins and hang the phone on my ear,am so irritated with this insurance company,if I knew I would have never used them...