Bad service

I put in a claim for a Samsung Galaxy S10 after losing. I went to do an affidavit, got reference number and went back to MTN shop immediately. I got a ticket number. After a few days I called only to be told to pay R300 excess, of which I paid immediately. After a few days I was told that they were waiting for me to confirm delivery address. After a day I got an email saying it will be delivered. I called after a day,they said courier attempted to get the device but fail. I called on friday they said they will replace it with a Note 10. Everytime I had to call their customer service to figure out what is going on. For all those who have insured their phones or belongs with MTN insurance underwritten by Guardrisk, just know that you struggle, fight, beg and cry to get what is yours. Is it worth it? Was it not meant to give you a peace of mind.Today is the 23rd of me being put on hold 28minutes already.