Worst ever service

I am with MTN Insurance and send my phone for repairs on 18/9/2015 and today 30/10/2015 I still fight with them to repair my phone after I keep telling theme it is an insurance claim, you can never get through to the insurance dep. spend hours on the phone and keep sending mails but no answer, the HVRCentre keep telling me I must sort it out with the insurance but how??? no answer on the phone or mails, the HVRCentre are MTN and so are the Insurance so why is it taking so long???why cant they sort it internal between them???they want met to pay R1300 for the repair otherwise, so now I say, take this contract and shuff it and I am stopping all my payments, they steel from me so I am done spending my time and money doing their job and they can take me to court if they want, I don't care, they are a corporate company that think they can bully us and they forget that there are other Networks out there, you all should insist to never use MTN insurance, don't even think they exist...