Worst Service, probably ever.

I have been paying a premium for a cover of almost R13000 for my cellphone after having adviced by their consultants, when I lost my cellphone they said they are paying R6000 but when you call them they still wanna cover it for R13000, upon my line of questioning this they said they will therefore return a portion of my premium, this is ****************, my decision was based on the cover, never the less, i decided i don't want anything to do with them going forward but i am still struggling to get my claims card nor to get to speak to the claim handler, this has been going on since first week of January 2018. Shocked by their service vs what they claim to be.