Cellphone insurance claim

I would give this less than 1 if I could. I have been up and down, being passed around between Monitor and TFG. Honestly as a customer, I do not need two big companies pointing fingers at each other regarding an insurance claim. I am on the phone for 45 minutes on average, listening to excuses after excuses, apologies after apologies, however, no resolution. Speaking to agents from both companies is the most ridiculous this one can do with their own time. These people are of no use whatsoever, you just get transferred from one agent to another, maybe in the hopes that you will get frustrated and drop the call. These companies never miss a day when it comes to debiting your account, but when you need to claim, they become the most useless administrators ever. Buying the phone, setting it up, getting it insured all took less than 30 minutes, however claiming from them is 9 days and counting, all because of incompetency most likely brought by cheap labor. They need to get the right people for the jobs, surely if they avoiding to pay a R4999 insurance claim, why would they spend accordingly for a proper Customer service staff, sies.