Phone Repair

I am so disappointed with the service. Firstly I am paying for insurance monthly and you now the phone motherboard is damaged I am told that I took forever for claim .The phone was operational to an instant that the only problem I was not getting calls on the phone .The fact that I took long to claim was because I was making means to see if this was not a software fault as the is absolutely nothing wrong with the phone Each day I was told you need more information but I feel that you need an excuses for reflecting the claim ,the fact that the phone was not even picked up from the store and assessed is very suspicious that you happy to take our monthly premiums but when the time for assisting for an claim you reflect . Till now I spend more that 15mins on the line with a constantly to provide me with feedback I have not even received the decline letter to dispute the claim and the T&C don’t mention your decline reason for repairs This is so disappointing. I have never experienced such bad service from a cell phone insurance. And the fact that you are continuing debiting monthly premiums is ridicule