MTN TAKING FOR EVER TO FIX MY DEVICE AND I STILL HAVE TO PAY MY MONTHLY PREMIUMS

I have Insurance on my device with MTN, I had to pay an excess fee which is ridiculous for a phone but besides that, they have had my phone for the last 3 weeks with no feedback unless I call in and they keep saying the same thing that its still in repairs, its so frustrating because I still have to pay for my insurance and device end of this month when the device has been with them, I understand that theses things take time but a month really , I expected better from them , mean what is the point of having insurance on your device you have to pay monthly, you still have to pay an excess fee before they do anything on it and you spend so much time and money emailing and calling and having a replacement device while you wait for MTN to fix or replace your device