Very Upset ,Disturb,Betrayed ,feeling ****** and misreable

i am very disappointed with the level of service i have received from MTN Insurance with there misleading ways , i have a contract with them and have been paying premiums on the phone for the past 5years ,i was never told that my sim card should be the only sim card in the phone should i want to claim ,the phone has now been lost for the past 2weeks , i have contacted the insurance department and did everything they requested from blocking the phone to visiting the police station , i then got a call that the claim is approved with a excess of R350 ,then i reiceve a second call that the claim is rejected cause the found that i wasn't using the phone at the time . they could see i wasn't using the phone but still collected premiums , i even forgot that i have insurance on the phone as no one ever bothers to tell you what insurance you have and what you covered for , they not doing any reviews with their clients just *****ing the money and when its time to pay no claim . they advised that they have send me the contract in 2013 ,we now in 2018 how must i still remember any of these things , i feel like my money is just ****** from me . i am planning to move my network away from MTN and will make sure everyone knows what their capabilities are , i feel betrayed ,neglected ,emotional ,alone in this time .