MTN insurance bad service

MTN cellphone insurance: I lost my phone on the 3rd of February, I then send my claim to mtn. Even today on the 3rd of March I have not received my new phone, because MTN insurance doesn't Wana give me my new phone-for the amount that I'm insured for, they keep saying the phone is out of stock but while it's available at iStore. The biggest problem with MTN insurance is that they never call you back to tell you the process is of your claim, you always have to call them back and only find out that the phone is out of stock. It's been a whole month since I've sent in my claim but no phone yet.i don't know what to do anymore.