TELKOM INSURANCE IS A ****!!!!

i have been with telkom a long time and what i have to say about their insurance service is disgusting. i wish i never took this stupid insurance on my phone i regret it. I went there to sort out my phone which was not working at the time and i was told that because the phone isnt smashed or have water damage there was nothing they could do and that the insurance wouldn't cover it. I was furious cause here i was with an insured phone that no longer works which i got from Telkom ages ago and they were unable to help, so what and i insuring exactly??? i went to the store in clearwater and the consultant just gave me a pamphlet to call without bothering to assist me in cancelling the insurance, i tried searching for the email which i emailed to cancel my contract numerous times with no luck. The number never works and now im stuck with insurance i no longer want and they continue to debit me every month. Im sick and tired of this i will longer pay and reverse the charges i dont care cause i havent received any help whatsoever. SOMEONE PLS ASSIST