Worst service ever - MTN insurance

By far the worst experience of cost customer service that I have had in a long time. My iPhone X was water damaged within two days of receiving it. MTN insurance wanted to repair the device which took more than two weeks when I receive my phone back the true depth camera was not functioning and the number of other issues that I picked up within minutes. The device was returned to them and it took another two weeks before eventually they decided to replace the device. without any communication device that it was replaced with was an incorrect colour I sent back to them the same day without even opening the packaging. This caused me to be without a device for another 4 weeks as the courier company damage the packaging and they did not want to take the box back. After having to phone them everyday and holding on for some times in excess of 30 minutes waiting for feedback The device was eventually returned to me. When asked for a refund of my insurance premium for two months(Almost R800 for the 2 months) I was told that they cannot do that. After all I did not have a device why should I be liable for paying the insurance premium . Not to mention that I still have to pay MTM for a device that I didn’t have.