MTN Insurance - Pathetic

The purpose of insurance is to cover you for damages which is fine if you can get through to the insurance company it's a different story, MTN INSURANCE is the worst, my wife's phone was damaged on Mon 14-Sep, we both tried to get hold of MTN Insurance but there phone lines don't work, so I tried to do the claim online but it won't submit, so I did the claim form and emailed it to them & got a reference number, tried calling them the whole week but nothing, finally on Fri 18-Sep, the MTN call centre transferred me to MTN Insurance & someone answered the call, no claim was captured but they received the form, so the lady did the claim, she said courier will fetch damaged phone on Mon 21-Sep & if we require a loan phone will have to wait for 20-Oct, seriously what's the use insuring with MTN? Mon 21-Sep tried 3 times to get hold of MTN, waited 21min, 13min & 5min, no answer, the courier did not fetch, I tried again now same storey, waited 10min & got cut off.<br> My cell was ****** overseas, I did the claim with HOLLARD, top service & claim was sorted in under 5 days & cheaper. My wife uses her phone for work & she can't even get hold of the insurance company.<br> Ref number - ***0