The most pointless cellphone insurance

This has been the worst most inconvenient experience ever. I submitted my claim on Monday with all the documents even called to follow up if all was received. Was told the claim would be processed in 24-48 hours. First red flag cos how is an adult suppose to function and work without a phone for 48 hours. I called back after said 48 hours. They told me it’s being processed. Only got it approved after 4 days. Then I had to pay excess fee. Which even when using immediate payment will only reflect after 24 hours despite me sending proof of payment. So that’s another day (totalling to 5) without a phone. After all that was done then they said they have to find out what devices they have available and would get back to me on Monday since it’s Friday now. Because they don’t give you the insured amount or give you a letter allowing you to go pick up another phone. They have to send you a device which will take another good number of days to arrive. So you are looking at 7-14 days without a device. What functional working adult can survive without a phone for this long? And if you are going to end up buying a phone anyway while waiting what’s the point of having this insurance. I don’t know whether my case was one of incompetence or MTN’s purposefully making it this was just so you end up giving up and just buying a new device but either way, they do not deserve to be receiving anyone’s money on a monthly basis.