MTN SP INSURANCE UNDERSETTLEMENT & Terrible servic

I around about the 12th of November 2015- submitted a claim to MTN SP insurance for a lost iPhone 5, which was insured for up to R15000. Only on the 24th of November 2015 did I receive communication from the insurance, informing me that they only approved +/-R10600. I on the same day sent correspondence to the Insurance quierying the way they came to the decision of the amount phone I would be able to claim, as the amount granted does not take me back to the position I would have been but for the loss of the phone. I have now for over 2 months not received any communication from MTN insurance and my attempts to contact them have been unsuccessful as they do not pick up their phones. I have been without a phone for over 3 months now. And MTN Insurance cannot reasonably expect me to get a lessor phone with less capabilities to what the lost phone was capable of achieving. The decency of a response to my quiery would be much appreciated, because I have been paying my premiums, and exorbitant premiums at that for a proper cover that would restore me to my previous position. I am utterly dismayed, THE CUSTOMER SERVICE IS BEYOND SHOCKING.