Disgusting service - Payment for no service at all(*******)

I insured my brand new iPhone 15 256GB through MTN and they make use of Santam Limited. I paid R259 a month (very high premium) from January 2024. My phone was ****** in April 2024. They declined my claim as they said the contract sim card was not in the phone during the incident. I had the same sim card in the phone ever since I got the phone and never changed it. This essentially means that I have been paying this high insurance premium for a phone that's never been insured as the contract sim card was never in the phone to begin with. I then demanded a refund and they just ignored me. I have yet to hear back from them. Please do not waste your money by using this insurance company. You are basically throwing away your money. I am absolutely disgusted by this lack of service and theft.