MTN IS THE WORST INSURANCE EVER.

MTN IS THE WORST INSURANCE EVER. I REGRET JOINING IT. MY SON LOST HIS PHONE . IT WAS ****** IN HIS CAR. HE IS AT VARSITY AND PLAYS RUGBY SO HE HAD TO GO TO PRACTICE AND LEFT THE PHONE IN THE CABBY HOLD. AFTER PRACTICE HE FOUND HIS PHONE GONE. HE WAS PARKING AT THE VARSITY SPORTS PARKING. WE SUSPECT CAR JAMMING . I PUT IN A CLAIM AND THEY DECLINED MY CLAIM SAYING THE INSURANCE DOES NOT COVER A PHONE ****** BECAUSE OF CAR JAMMING AND THAT THE CAR WAS LEFT UNATTANDED. WHO WAS SUPPOSE TO ATTEND TO THE CAR WHEN HE WAS AT PRACTICE AND THE CAR IS AT THE PARKING LOT? THEY SAID THE PHONE WAS NOT IN HIS POSSESSION WHEN ******. MY QUESTION IS THEY ONLY PAY OUT PHONES THAT ARE ****** IN YOUR POSSESSION? WHO GOES TO DO SPORTS PRACTICE WITH A PHONE IN THEIR HANDS OR POCKET? THE PHONE WAS OUT OF SIGHT AND ******. WAS THE PHONE NOT COVERED FOR THEFT AND LOSS? IS THIS NOT THEFT OR A LOSS?