The scam I encountered with Telkom insurance
The took a cellphone insurance with Telkom since 2019, and have been a loyal customer for over 36 months without missing a single debit. 

The past week I lost my phone and went through the usual process of claiming the device, and i was saddened by how unloyalty, unfair and not customer serviced the insurance team was. 

My insurance premium was for a R20000 cover (R244) meaning if anything happens to my device it will be replaced with a device for that amount. But that wasn't the case with Telkom, instead i was told the below. Yet I have been paying for a cover of R20000, regardless of when I loose the device. Telkom insurance is a scam! 2 weeks later 16 days later and I still do not have my device replaced but they could not hesitate to deduct the insurance premium when I told them to cancel it. 

Ethel-Jean is the agent that ignored all my emails and had the decency to tell me, they only reply after 48 hours, while I'm out of a device I use for work. 

Abongile Magazi is the the team leader that is never available to take escalations and have no stand in when busy or not available. 

"The Huawei P30 Pro – 256GB is out of stock and the suitable replacement is a Huawei P50 – 256GB
The current value of the Huawei P30 Pro – 256GB is R13 639 and the Huawei P50 – 256GB is R17 799.
Therefore, you are required to make an additional shortfall pay in of R4160.00 including an excess of R1363.90. In total the payment would be R5523.90.
Please make an excess payment of R5523.90 to the account below"