Hollard underwriting shysters

Hollard has underwritten Finrite Insurance, with whom I had purchased insurance for my cellphone. Hollard only needs to go and have a look at the complaints against Finrite (they are mostly the same complaint) where the call center seems to have been trained to obstruct people who claim what is rightfully legitimate. Finrite does not respond to complaints on Hellopeter, so I shall have to hold Hollard responsible. I shall travel to their offices in Johannesburg if this complaint is ignored. I have been trying unsuccessfully to claim R3000 for a ****** phone. After a month after having to repeat my story to a different call center agent, I have been offered a limited selection of phones I can choose from. I have already bought a replacement phone at Game but they refuse to refund me in money. Who in SA can go more than a month without a device, which is needed in instances of farm attacks (been a victim once). They actually expect the consumer to go incommunicado while they do not keep to their side of an insurance arrangement.