MTN Insurance - laughable at best

I have recently submitted a claim for my samsung galaxy s7 which has been declined by MTN insurance, citing that I have used another SIM in the device. Earlier this year, I contacted MTN insurance to ask whether they could cover both my new phone, a Huawei P10 Lite as well as the S7. All that was confirmed on the email was that the Samsung still was covered and therefore I assumed that it was. Nowhere was I advised (by the consultant) that a prerequisite of cover would be the use of my existing MTN number. This means that I have been paying a premium every single month for cover which was nonexistent. I am not only disgusted, but will be cancelling my contract with MTN (I have been a loyal client for almost 10 years).