MTN Insurance complete failure to deliver

My phone got damaged on the 3rd of September this year. The following day I went to hand in my phone at menlyn to claim my insurance I pay for every month, they told me they cannot take the phone and I needed to go through the call centre. Incovinient but still doable. After contacting the call centre they said they never moved my insurance policy over to my new phone when I upgraded, something they were supposed to have done last year. After call, after call, after call we were finally assisted and my phone was picked up about a month after the incident. Now more than 2 months after the initial event I am still without a phone. I have paid 2 months contract costs as well as insurance on a phone I could not even use or was not in my possession. Again email after email, call after call I finally get some information from them and now they want me to pay some stupidly high excess. <br> <br> Complete BS. You *****ed up, you failed to deliver, you should be going out of your way to remedy the situation. You expect me to honour my contract by paying every month for a phone I do not have and insurance I can't use but you do not honour your side by repairing my phone in timely manner.