MTN SA Insurance dead replacement device

I finally received a replacement device after a long wait from MTN Insurance where they were not proactive with my claim. I always needed to call them for an update of the status of my claim. The device finally arrived and it was not reading any Simcards inserted besides Rain Mobile :( I was sent to MTNstores to get this issue fixed buy the store also sayss its not their device its the insurance's so they can not assist. Currently in a back and forth with Mtn Insurance to Swap the device for a fully functional one. They want to book it in for repairs/ testing which will leave me phoneless AGAIN for a long time. I have work commitments that I can not bear to be offline again.