Violation of consumer's rights

I took an insurance with King Price,it was lost few years later through *******,the phone was replaced by other service provider, the phone gave me problems,I kept reporting, they took it for repairs 3times coming back the same,they used to upgrade software,it would work for few days and went back to it's old tricks untill I asked them to replace it ,bear in mind I am still paying for insurance,one consultant agreed to my request but nothing happened then I decided to report the matter with ombudsman,ombudsman took their side ,cos they said there was no physical damage on the phone ,so I have been craze for complaining about the phone,and staying without a phone for weeks when it went in for repairs,I lost premiums and phone and ombudsman is ok with that,no compensation ,my findings is that ombudsman does not fight for us consumers,but siding with retailers and I will support my statement why I am saying that