What a total let down! Extremely disappointed

I’m very disappointed with Miway I have logged a claim on Tuesday 18th May 2021 for items that was ****** MiWay requested documents which I completed and sent back then I was sent the same documents again and again. After all the running around they wanted a itemized billing which I couldn’t have access to because my sim wasn’t registered under my name. I went to the extend off registering a complaint at ICASA against my network provider in order to get the itemized billing for MiWay, After getting assistance eventually from my network provider it still was not enough the reported one off my items to the ***** department in order to get the location and so on cause the phone was still in use. I got a call saying that I could cancel the claim and drop my insurance and stuff or if I want to proceed with the claim but it would have a bad record on the account holder cause the phone way still used in my area. So I told them proceed with the claim I am not guilty of anything there’s two items on the claim the expensive one check-out but the cheap one doesn’t which is dumb. Eventually I got a call saying that they will pay out for one off the items and the other one nothing they can do cause it could be a family member staying at my home that took the phone. FIRSTLY WHETHER IT WAS A FAMILY MEMBER OR WHOEVER STOLE THE ITEM I PAY FOR THE INSURANCE FOR LOSS OR DAMAGES. SO ITS NOT MY PROBLEM WHERE THE PHONE IS AND WHO IS USING IT. SINCE IT WAS COVERED MIWAY SHOULD BE PAYING FOR IT CAUSE IT IS NOT IN MY POSSESSION. SECONDLY I WAS PAYING A PREMIUM FOR THE VALUE OF R24000 FOR ONE OF THE PHONES, MIWAY WANTS TO UGRADE THE PHONE BUT HE VALUE OF THE PHONE THEY WANT TO GIVE ME IS R14000, THEY SAY THE VALUE OFF THE PHONE DROPS ANUALLY SO WHY DIDN’T THEY DROP THE PREMIUM AS THE VALUE DROPPED. THIRDLY WE IN JULY AND THE CLAIM IS STILL WITH THEM CAUSE I DON’T KNOW IF THEY EXPECTED ME TO BE WITHOUT A PHONE SO LONG NOW THEY WANT TO GIVE ME A CLAIMCARD TO BUY SOMETHING FOR THAT VALUE. LIKE WHAT THE HELL I HAD TO USE MY PERSONAL SAVINGS PLUS NOW I MUST GO DO SHOPPING FOR THAT VALUE WHEN I COULD JUST PUT IT BACK INTO MY ACCOUNT. I INURRED A LOT OF LOSSES ALREADY. Its definitely not done MiWay, It’s TheirWay or NoWay!!!