CELLPHONE INSURANCE

I took out a cell phone policy with TFG After purchasing a cell phone from them 3 Years back - And I have been paying my premium ever since - Unfortunately i dropped my phone and the screen was damaged , I then took in for repairs on the first week of September @ Foschini Festival Mall as per Instruction I was required to pay an excess of R350 which I did - after 2 Months I was called in to pick up the phone after picking the phone I Realized that the Sim card is not regarding , I then took it back to the same Foschini on the Sameday , Now I'm told that my phone has water damage and shows that it was opened - where did I Get the equipment to open the ****** phone ? are they suggesting that I used a knife ?? How Ridiculous ??? and I now need to pay another excess If this is not day light ******* then I don't know what it is Why was I not notified of the water damage the first time I took the phone in for repairs?? I am being sent from Pillar to Post without feedback and I still do not have a phone What is the Purpose of Insurance it one should be accused of lying when a claim is submitted and more money is expected from you This has to be one of the worst services I have ever received , Would not recommend anyone to insurance from TFG - or Better Yet never buy a cell phone from this establishment rather use someone that will be willing to assist and settle a claim should one require to claim at a later stage No accountability Whatsoever The only thing they good at is receiving payment and not providing service