MTN Insurance company isa ****

On the 18th June 2020 I was at the Mall, speaking on the phone when some guy walked passed me and slightly pushed me accidentally and my cellphone fell and damaged the LCD. I went to MTN Southgate to claim from the insurance for repairs but my claim was declined and till date (20th April 2021) my device hasn't been repaired. After numerous attempts Ithen decided to upgrade and got a new device, but I refused to take any insurance for the New device since I wasn't satisfied with the previous one. To my surprise I learnt that my new device has an insurance which i never signed up for nor have I agreed to having but paying for. I would like to know WHO gave permission for the insurance, who activated it and why because I personally didn't and I am sick of paying for something that i never permitted and worst of all, I am irritated and annoyed by the unfair treatment i got from the insurance company that refused to repair my device after paying it for 2 full years. Can someone please help me resolve this matter urgently!!