Why Sell Insurance If you are not going to honour

On the 11th of January I had a caravan break in whereby everything was ****** and as per normal went to report it at the police station and then spent the entire day between MTN and the Police Station trying to stop my phones and report it to the insurance and much to my surprise 10 days later I get told that the phone I claimed for is not insured and it was just upgraded in December but the other phone was insured and even though I pay insurance for that phone I can not claim as my contract sim was not in that phone at that time. I have been with MTN since they were BCell and that is a very long time ago and would have expected better treatment than that, as they offer insurance across the board for cellphones laptops etc. Why offer insurance if you are going to look for loopholes when it comes to claims. None of us actually ask for our phones that we pay so much for on a monthly basis to be ******. I would expect that MTN personnel would know all this and inform you accordingly and upgrade your details accordingly who would pay insurance for a phone that they can not claim for. We have so much unemployed who actually know what they are doing oh Gosh