Device Insurance via call centre

where is the logic in applying for a contract over the phone but can not take up insurance for the device over the phone? where is the logic? not all towns have a telkom branch and to drive 3 hours to a branch is not on, come on get your processes streamlined telkom please, I mean I emailed my documents for the contract and checks were done but then I'm told I can't apply or activate my insurance and have to go to a branch, this is a joke