MTN insurance claim

How pathetic is this. So me and my wife has had an iPhone 5se with man for about 4 years new in that time we upgraded to an iPhone 6 but still payed insurance on the iPhone 5.

Recently the iPhone 5 started giving problems (switching off while in use and not coming back on)

We then submitted an insurance claim where they told us the claim is declined due to there not being physical nor liquid damage to the device and this without them even assessing the device this is all based on us submitting a claim stating what the device is doing.

Pathetic service honestly I’m disgusted and wasted my money on insurance every month.