Insurance Claim

I'm really ****ed off right now , my phone got ****** over the weekend. I filled in the insurance claim forms and I got an SMS stating that there is some information missing, I than called MTN to give the missing information afterwards I was told my claim has been declined apparently I was negligent. Now my problem is that I'm sitting without a phone and I'm being told it is my problem now. I have been paying insurance for the past 4 years without any claims, so basically I'm paying for nothing. Either sort out my claim or refund all the money I've paid which is +- R8000.00 .