Insurance

I took out two contracts for me and my wife at Westgate, same phones, same contract, at the same time<br> Her phone got ****** 3 months ago and we had no problem of getting her a new one as we have insurance<br> My phone started giving problems two months ago by not switching on<br> I reported this to the MTN in Key west and they confirmed I need to contact insurance for them to collect the phone from me for repairs<br> The number they gave me the person said I do not have insurance with them<br> I went to the MTN again and they also confirmed I do not have insurance with them and I need to contact MTN insurance<br> I did so numerous times without getting through, the call just dropping after holding for hours<br> I even checked my invoice and confirmed that I am paying for insurance since I took out our contracts<br> Even emailed the insurance department to contact me but did not receive any call back<br> <br> I am sitting without a phone now for 3 months and paying for services I do not receive<br> Please can someone contact me to get this resolved asap