MTN insurance disappointment

MTN insurance I put a claim for a lost phone on the 29th of May, as the company claim, their claim processing is within 48 hours but that was not the case with me. I Called each week,checking the claim and I was being taken from pillar to post. I ALSO requested a voice recording of the day I took out the insurance AS i believe there were crucial information that was not included in the policy and hut to this day, it was never provided. They kept on saying we have send you an email but I never received any. At the end of the month the premium is being deducted. I AM REALLY DISSAPOINTED BY THE CLAIM. YOU KNOW WITH A CELLPHONE ON CONTRACT EVEN, WHEN YOU PURCHASE IT, YOU NEVER EVEN ANTICIPATE OR IMAGINE THAT IT WILL BE LOST. NOW I AM LEFT TO PAY 3 years for a PHONE THAT IS LOST..