Hollard messes with us for an entire year

Hollard has been messing with us for almost a year now, yes we put our claim through a year ago and conveniently the paper work is never correct! We pay more than R400 a month to these people yet they won't pay us out. They even made us run around like headless chickens to mtn even though we told them that the sim "WAS NOT" blocked in the phone we are claiming nor was it in there the time we lost it and even then they say the paperwork is incorrect. When we lost the phone with the sim they picked up we decided to just cancel the insurance instead of claim because they keep doing this! And we continue to pay for this insurance for the year! I would like to know what further steps I can take against them please..