Insurance claim not covered as they don't cover such damage.

MTN SA should be ashamed for their handling of insurance claims. I've been their client for 4 years now an been paying insurance. When I do a claim, I'm told that my claim is not valid as they don't cover such damage done to a phone. My phone stopped reading sim cards. the 1st time this happened, my deceive was changed under warranty Job card no. won****44281 linked with won****64279(Symptom code: 8107 Sim reader). Now the issue has resurfaced with new device which is out of warranty as it's over 24 months old but still under insurance. My claim is being canceld as per Jabu at call center who informed me that the insurance does not cover such damage. What is the purpose of insurance if they can't help when your device needs to be repaired. My reference is MTNLF093044/1. MTN is provide bad service to it's clients, but I'm not sure weather to blame the company of employees.