Frustrated with MTN insurance!!!!!!!!!!!!!!!!!!!!

Frustrated!!!!!! I am beyond annoyed. I purchased 2 contracts in 2017 including the MTN insurance for both cellphone, which I have been paying consistently. I have never missed my MTN monthly payment.

On the 11th of March 2019 one of my phones got lost and I immediately opened a case at my local police station. After obtaining the affidavit, the following day (12th March 2019) I went to the Secunda MTN branch to lodge my claim. I thereafter completed the forms and email all documents to the MTN insurance claims section. The following day MTN calls me to inform me that the claim has been rejected due to the fact that the sim card was not used in the cellphone; however I do not understand how that is relevant as the insurance was taken out for the phone. Since when does MTN insure SIM CARDS??????? Initially when I took the contract I did inform the consultant that I will be using my old sim card as I do not want to change number and the consultant did not have any issues with that. I feel that I have been ****** as for the past 2 years I was paying for the service however now that I need to claim MTN says that my claim has been rejected, which means they took my money for no reason since the service is clearly not provided. And my contract has not yet expired.

All these years I have been a loyal customer and this is How MTN treats loyal customers. If I had know that MTN will be robbing me I would never have joined MTN.