Cellphone contract and poor service on insurance claim

I lost my phone due to Break in inside the car. This was a day after I went to Foschini to ask for the phone to be repaired and they couldn't take it as they needed insurance papers. I got the papers, packed in the bod with the phone and were ****** on break in inside the car. I went to claim Total Sport couldn't help but they see on statement that insurance is paid monthly and but because I do not have papers, they couldn't help. I asked them to remove insurance on my name then in August 2017. They never removed those contracts and I'm still paying premiums yet I don't have a phone. Contacted finite several times and on emails but no one responded ever. I am closing this @Home account and I would like to warn more victims like me of this ****************.