My insurance nightmare with MTN

I took out a cell phone contract with MTN in September 2014. A few days later I went back to the MTN owned store at the Glen to get insurance. The lady who helped me printed out a piece of paper with a policy number and my banking details and she underlined the number i would call if i needed to claim.<br> <br> I went home under the impression that the insurance premium would be included with my MTN payment. Never did the lady at MTN advise me that this would be a separate debit on my account. She did not even advise me that the insurance company was not a part of MTN.<br> <br> My cell phone was ****** yesterday, when i called the number i was given(24hour mobilty), i was advised that my policy lapsed as they have never received any payment from me.<br> <br> i tried to explain that i always pay my contract subscription at MTN, but they told me that they are not a part of MTN and that i should sort this out with MTN.<br> <br> I went back to the MTN shop and the manager told me that i should have known that the insurance was not part of MTN and that the debit would be separate because the print out they gave me says 24hour mobility.<br> <br> According to FAIS lagislation, MTN should have expalined this. I am so disgusted!!