Mtn insurance

Hello there. I an an mtn client for the last 7 years. I have a very big problem with their insurance apartment, during claims they give us faulty phones while we pay insurance every month and huge access fees. In 2021 I lost My phone which was a hauwei P40 lite the I paid a hefty amount of access fee only for them to sent axectly the same phone "with a dark screen and dual sim" then later in 2022 I upgraded to IPhone 13 pro max used it for about 16 months then it got ****** in my car I claimed again to pay another hefty price R2700 I think then received an IPhone 14 pro max that over heated most of the time, the phone started giving me problems in the two months that I had it, it startrd to smelly like glue and the screen was swelling.

I called the insurance department and they came to collect it on the 28 of December 2023 I waited for weeks nothing was done to the phone after almost a month of me calling mtn everyday they tell me to remove my ICloud account from that device I did after another week the tell the same story that i have to remove my icloud account again they ended up asking for my icloud details which I provided after two more weeks they still haven't done their part or fix the phone last week on the 24th I failed an important exam because I didn't have a phone mean while I called them and let them know that I was going to an exam in the coming week Im going to need the phone but still no response

My intention is to leave the insurance and mtn after receiving my device.