Double insurance premium and no after service?,

I have a markhams account with fochini. I have bought a cellphone at hi online and took the extra insurance option on the cellphone in case something happens to it. Now that my cellphone has fallen and the screen is cracked, i took it in to hi online to be repaired. But couldnt do it as they do not offer Loan cellphones and their turn around repair times are 8 weeks!!!??? What the hell does one have to for 8 weeks without a phone?<br> PATHETIC as the insurance premium is almost as much as just buying a new phone!!!<br> <br> Apart from that, after checking my statements, I see that Fochini group has deducted since the beginning a double insurance payment from my account!!!!!?? How does that work? So by SOUTH AFRICAN LAW I can claim for the SAME handset TWO times as I have paid a double premium since the beginning. <br> <br> NONE of the *********** staff could help (or wanted to help me as they other stuff to do, like being on whatsapp). They are rude and blunt and there are NO customer service WHATSOEVER!!<br> Its a disgrace! <br> <br> I want first off all an alternative option for my cellphone be repaired - being it a loan phone of the same value or a new one. And secondly I want all the double paid back