Telkom insurance for what?

Fed up with Finrite ******! I am really just lost for words! Never will I take any type od insurance with Finite again.Why do I as their customer have to keep calling them for an update on my insurance claim? I ensure that my insurance is being paid every month so that I can have piece of mind knowing my phone will be repaired in the event anything should happen to it.Only to find thay I have to pay excess in order for any type of repairs to even take place,so what am i actually paying insurance for? I have contacted their call center 5 TIMES today and was advised an email with this so "called" excess would be sent to me and still I am waiting for this email.I am frustrated that I have to pay but don't get any customer service ..I am fed up with Telkom and Finrite I was told the procedure would take up to 21 days of which 8 days has passed and no constructive feedback or means of email.I regret ever taking insurance at Telkom and I am most certainly going to lodge a complaint at the Ombudsman aswell!