Damaged cellphone

I had a claim with iwyze. They have sent me to one of their supplier to replace the items. The supplier[P&G Digital Zone] has given me a Samsung S6 phone. I tried to use the phone but could not put my SIM in it as the SIM holder was not poping out. I have the phone back to supplier and now the supplier is claiming that I damaged the phone. I never damaged the phone. It was given back to the supplier in 2 days. It looks to me that P&G Digital Zoneis buying defected phones and supplying it to the insurance.<br> I know that even though it was damaged, you can still replace the item in 7 days. I am totally fed up with iwyze as they don't pick phones and don't answer for emails. Guys, please do your homework before taking iwyze policy.