MTN Insurance

HI<br> I recently upgraded my phone using one of mtn stores in eastgate last year November,<br> the service was great. Until<br> when my phone got damaged I tried to log an insurance claim to find out the I was not covered.<br> but the consultant promised to send through my application but he didn't. All the time I thought I had insured but no.<br> so went back to the store to inquire why the application was not sent through ,only to find out the previous consultant who helped has been fired.another consultant asked me to bring prove that I required insurance of which the upgrade copies where ticked yes for insurance required.<br> then we called the mtn call center, only to find out that they can not cover me as the phone has already been used for more than 90 days.<br> at the moment I am the one at fault according to mtn .<br> even thinking of buying out this contract and terminate service<br> MTN is not good as it seems.<br> <br> thanks<br> Michael