No help from insurance

I have submit a headset insurance claim in June 2015.The insurance people came back to me in August and promised to come and collect the phone and give me phone loan they sent a very old phone to me I told the delivery guy that I wont accept such an old phone since then they never came to me. When I go to the store they tell me to call head office or go to head office they also not interested in helping me. I stopped paying the account because of bad attitude from the Westgate sales people including the insurance. Now I want to pay but I wonder if am going to pay for a damaged phone for how long????<br> Called head office today they gave me the legal team numbers *** those numbers don't work. Hope am not going to put my money in the drain like I have been doing