Sony Xperia XZ dreamy nightmare

I have had a Sony for the last 4 -5years, and I loved it. When the new XZ was released, I looked forward to getting it. Enquired abt it on Facebook etc. I eventually took out a contact with MTN. As soon as my phone arrived, I went hunting for a screen protector and cover, for protection purposes. To my disappointment, no reputable service provider had any protective gear for my phone. Why didn't it at least come with a screen protector, we all know it's a need. Needless to say, my phone fell, and the screen acted up. Took it to MTN Eastgate, where the Sony assistant says it should be covered under warranty, and MTN consultant says the exact opposite, warranty doesn't cover the screen. I have been having nightmares about the amount that I will be quoted...my dream phone turned into a living nightmare. l'm beginning to think that it's a set up. Enter a contract, phone breaks, as it has no protection, then you're stuck in the contract with no phone. I feel let down, and I am reconsidering my brand loyalty towards Sony mobile.