MTN Insurance...why do we even have it?

My device has been damage through a terrible accident, and I thought...luckily I am with MTN insurance...but I was mistaken. I logged a claim February...nothing happened until I called them. Then they collected my device through couriers on 01.03.2016, and it was taken to the repair center. My device has been the for 3 weeks, and nothing happened. most recently I called again, and was told my device was sent back to MTN...they will replace it. No one called me up to today, and I am still waiting for MTN, because you cant get through MTN insurance...because of their terrible line, and after a while...the call just drops. I've even called MTN 808, they have logged that MTN insurance will call me back urgent...but nothing up to date.<br> <br> Why do we even have MTN insurance if they cant deliver...a wast of time and money