Insurance

Good Day

Not a very happy customer being paying my insurance without fail. My mum was using the contract she passed away last year and we did not use the phone. My husband started using it and was ****** 11 June. Did a claim last week today I am being told its declined cause the phone was not used and the sim card is in a psmart

So what your insurance is telling me is that iam forced to use this phone as we were not ready to use it after my passed away. I have been paying this insurance for close to 2 years and now suddenly this. I am not leaving it here I will take this much further cause you guys are quick to debit or want payment but time for claim this happens.