Complain with MTN insurance

Hello

I've been with MTN for more than 6years, paying insurance very well, I've never skipped my payments or whatsoever, around December 27 last year I lost my phone, I reported it and go through with the claiming process, they contacted me and told me what's needed and I did produce everything that I was told to produce after a week they send me an email to pay R300 fee so the can send my phone via courier...i waited for almost two weeks, then I decided to do the follow up, I called them then they told me that the phone which I ensured its no longer available in stock they will give me p smart 2021 for which I waited for it another 8 days it ddnt arrive, I called them again, they said the phone they' ve promised its no longer available in stock, they promised to deliver sumsun A32 they ddnt deliver it, since I've been waiting for my phone even today....im highly disappointed with MTN insurance services... Sad thing is they are deducting their money every month without even thinking twice.... Please I need help