Claim that still hasn’t been settled

I have been with mtn insurance since 2015. Paying my monthly insurance premium on time. Not claiming anything. Up until this year. My phone was ****** and I put a claim through. I am now in my third month waiting for a replacement.

Every time I call them to complain about their delay they hang up the phone. Only having to call back and waiting for them to answer on average about 30 mins.

Till today they try and get me to take a downgrade to the phone I had. When I decline it and complain as to why they making me wait so long they hang the phone down on me. I have called every week more than once for the last 3 months.

When I ask to speak to a manager they hang up the phone. The worst part is they have kept me out of business as it was lockdown as well and I had no phone to use.

I don’t even know where to go to from here cz mtn won’t help me they keep saying they not part of the insurance company, yet they listen as mtn insurance. How does this make sense. So ridiculous!!!!!!