Pinnacle Insurance *******-takes premium but not willing to payout or negotiate

Had a breakin early December. been trying to claim from Pinnacle Insurance for a replacement handset. Up till today with no success! MTN made the worst mistake to partner up with Pinnacle. 1st they asked for proof of breakin after explaining how many times we never took any photos and that my husband repaired the window (as the glass was not broken) He made his own burglar guards ,no receipt and we had putty at home (no receipt) . Now they are telling me I'm not insured for the correct device and got told it is all my fault that when a year ago when I upgraded that MTN never submitted the upgrade. all this time they still took my monthly premium and is not even willing to pay out a percentage. Today I received an email from M****ena (Repudiation Letter). I phoned her and she made it quite clear that it is my fault. There Is no room for reasoning or negotiating from these useless *******!