MTN insurance useless

<p>Firstly I dont know why it has to take 14 days for a customer to get feedback on claim. I have an MTN cellphone contact which I'm paying about R360 monthly and the device was insured. On the 08th February I lost my phone and reported on ITC, filed my claim with MTN on the 9th, noone called me I had to keep calling the ********** 084 to get feedback on which you have to hold for a minimum of 20 minutes to get attended to and everytime I called I will be asked how I lost the phone, to cut the story short I was told that my claim has been declined as my phone was not it a locked locker when it was ******. The question is now do I still continue paying for a contract phone that I dont have? What is the use of insuring your device, this is just a money making skeem which is always looking for a reason not to payout</p>