Vodacom Cellphone Insurance is a waste of Time!

Never have I experienced such shocking service and response on an insurance claim!!! Reported on the 6th of November on the call line. Then they don't do the paperwork you have to go in store. And as you submit the requirements change. Finally they do not have a replacement in stock. As a result a different phone needs to be supp****, even though I was happy with what I had! They now add additional excess plus an exorbitant betterment fee. Now 10 days after having my phone ( a key business tool) ****** in a smash and grab , they need at least another 48 hours for corporate to review. All the while I cannot make payments as two factor bank authorisations run through my phone!! Really Really poor show. Who know what the next story or made up requirement will be after 48 hours again