Insurance dissapoints once again

<p> </p> <p>On 5December 2016 I send in a request for assistance with a claim and heard nothing back. In January I went to mtn vaalmall and they have sent in a new form. I phoned the mtn insurance customer care line and they said they are declining the claim as it is too long after the incident. Musa at that time said I should forward him my previous email and I did. Next day claim was confirmed and I had to pay an access fee of R150. I emailed musa once again because I cant see how I should pay if they didnt even collect the phone. He then rep**** and said unfortunately I have to pay before they collect anything. The next day 27 Jan I paid and have sent through the pop. He couldnt tell me when the courier would collect my phone. Its now almost 2 weeks, I have sent two emails without respond. I do not appreciate this kind of service.</p>