Mobile Insurance ****s!!!

I've been with this insurance since i got my contract phone a few months ago and after my phone fell only the screens glass was badly cracked my ink was fine and so was my touch only being the glass i claimed from them i never missed a payment or nothing and when i claimed they decided to send a courier to pick up my phone by me only to email me a week later that i have to pay a fee of 750 before anything will be fixed so proof of payment must be sent first then they will fix it....i took my phone to a cell phone shop close to my work place and that guy charged me only R400 for the damage and i got my phone that same day back and its like new again i stopped my insurance at once with them I'm very disappointed with them honestly they only want to **** people that's bad my friend told me her issue again was after she claimed from them to fix her power button her hone came back 3 weeks later with much more problems and doesn't find her phone as smooth working as it was before she claimed from them they good for ripping people off that's all !!!