MTN Pinnacle Insurance

I'm am thoroughly disappointed at the outcome of MTN insurance company!

My phone got ****** out of my locker at Virgin Active N1 which was inside a locker with a pad lock and was locked, but somehow someone managed to bypass my locker to gain access to my locker without breaking the lock and ***** my phone out of it (I dont know how this person did this but they definitely done this before), and then to find out that this incident of how my phone got ****** is not covered and now I am left to pay a phone I no longer have nor can claim for! How is this okay MTN Pinnacle or whatever you called! Pathetic! I have been making payments on both my phones and insurance ever since I joined you and not missed a payment once, So what do you expect me to do now, pay for a third phone?