INCOMPETENCE IN HANDLING CLAIMS

I have been sent from pillar to post regarding my claim. First of all, my claim was declined due to non-policy- how when the policy schedule was attached to the claim form and all that you guys had to do was to check for payments against that same policy?! but you went on to DECLINE my claim when the debit order went off on Monday as it has been going off these past few months. My payments are all up to date, and even when @TFG stopped deducting, I called numerous times to rectify that as I did not want my device to not be covered. Now I am being given the run around to replace the device. What have I been paying the insurance for if I have to go weeks without a phone?! I was told to provide bank statements and the same policy schedule that I had attached at the time of the claim- and instead of my claim being reviewed accordingly, I am yet being given the run around. I have to constantly call and go to the stores to hear the outcome and be disappointed because competence is not something that is in your vocabulary. You do not even deserve this 1 star that I gave.