NEVER BUY YOUR CELLPHONE FROM FOSCHINI IF YOU DONT WANT STRESS WITH INSURANCE!!!

i bought a cellphone at total sports and insured my phone, due to not wanting to have any stress should i loose my cellphone because of the world that we are living in right now, i can not afford to be without a cellphone for long, as i have to be up to date. so i lost my phone 3 times soo far, the first and 2nd claims were not a problem. now i made the 3rd claim, i have been paying my premiums soo well i never skipped when i have to claim they telling me that they cant process my claim because they still waiting for a cellphone replacement form,,, something that i have never been requested before, they told me to go to the store that i got my replacement phone to get that form from them... and guess what the store is closed, i could not get hold of them and now i am stucked here without a cellphone, having to face the very same thing that i was avoiding when i took a cellphone insurance. they say they need to request the form from the underwrittes i really don't understand what does that have to do with my claim, it has been about a week now since i don't have a phone and they keep on telling me the same story over and over again when i call, your claim is pending because we cant get the replacement form!!! like what kind of a pathetic service is that??? i wouldn't encourage anyone to buy their cellphone from the TFG group if you want an insured phone, rather go to a different store. i am soo disappointed with this service, i wasn't expecting this from this store because it is such a huge brand!!!