worst insurance i have ever taken in my life

I have an Iphone purchased from MTN Sunnyside and was sold insurance by the consultant there. after some months my phone screen cracked/got damaged. i submitted my claim with MTN insurance on 26/10/2015, the handset was collected by MTN and i was told that Iphone policy states that my Hanset will be replaced instead of being repaired and that it will not take long. I was also mislead by MTN insurance saying that i would get a Loan Phone to use in the meantime while my claim is till in progress. Until today my do not have my phone back and have not received any loan phone. I have tried calling MTN multiple times holding for 30 minutes and longer to no answer. I then sent an email to the lady who dealt with the collection of my damaged handset( Celiwe Nkosi from Smartfone) as well as MTN Insurance complaining about their service delivery and the lack of feedback to met(on 12/11/2015) and only got a Claim acceptance Letter on the 17/11/2015 stating that i need to pay Excess of R150.00 which I paid on same day and emailed and faxed the Proof of payment to them. the only thing i got was an Automated Reply acknowledging the receipt. I called today 24/11/2015 and nothing has been done