Absurd service from momentum insure!

I am deeply disappointed at the kind of service I am receiving from Momentum insure. After 2 years of insuring with them this is the worst service I have ever received from them. 3 weeks ago I logged a claim for a damaged cellphone, all was good and well till the claim got finalised and approved. I was given only 2 options as settlement methods. 1. let their supplier send me the replacement phone. 2. get cash via a claim card. I chose to get the card and as it turns out it was the worst decision ever! First, the card took forever to get to me...eventually when it did turned out it only works for certain retails approved by them only. When I told my insurance this, I was promised that they would ask them to open the card for any retail of my choice. after numerous calls/emails/back and forth I was told the card has been opened, however when I try to purchase the phone online it still didn't work. The latest I've been told now is that the card is only open if you walk into a store and swipe. I am furious! the only reason I decided to do an online transaction is because I do not have time to go to the shopping malls and physically shop. Why is momentum not paying me cash into my account in order for me to buy the cellphone of my choice? why must I be the one struggling now when its convenient for them? No one is explaining anything to me. All I'm hearing is that they are not prepared to give me another option of settlement. For that I am fuming and upset. Someone please attend to me asap and tell me why I shouldn't cancel this policy.

Regards,