Horrible Horrible service, 2months still my phone is not replaced, Hollard why are you in the cellphone insuance business

I lost my phone and called to open a claim, they told me to send them papers which I sent. then went quiet for 2weeks till I followed up on how far the claim is with processing, then they tell me im still missing some papers. sent them those papers, another 2weeks I called to follow up then they tell me since the claim is longer than 30days I need to send the motivational letter (which I had initialy sent)... then im told "I mails turn into faxes so if you send anything even if its in one mail it has to have the ID and reference otherwise, we don't know what its for so we throw it out" so I ask why im not contacted when something is missing, why do I have to first follow up. then im told "we do call another number that we have" So I provide my number again so im updated but there has been no progress even today. 3 weeks pass and I follow up on the claim and it still hasn't been processed. In these 2 months , I don't have a phone, I am still paying this insurance company for the phone. all the calls I make to get feedback are costing me even today. Hollard this is unfair. I'm asking myself why is Hollard in the cellphone insurance business, +2 months to replace a mobile cellphone in this mobile age.. How is one supposed to work? How many opportunities does one have to missing out on while Hollard delays? so with phone insurance and haven't missed a payment, I have to go purchase a new phone while I wait for my cellphone insurance company to feel like processing?