Telkom insurance under written by OMART is a ****

I bought a contract phone at Telkom and I took their insurance. I found out when I was making a claim that it is under written by OMART I knew there and then that there will be problems because old mutual has a bad reputation. So I sent my phone for repairs, it had a broken camera. They told me that excess is going to be R3000 and I asked how much was the phone was quoted for and the answer was R3500 basically I was paying for the repairs they were only going to pay R500. I asked why was that the case they told me that terms and conditions state that I should pay 15% of the amount that the phone is insured for regardless of the cost of repairs. I told them to return my phone and cancel the insurance because I'm just wasting my money, I have already paid R5700 since last year. After canceling it they debited money on the 15th I reversed it and they debited again after a few days. Don't ever take an insurance with TelkomSa and Telkom is also complicit because why are they still using this company knowing very well that customers are complaining about it. I canceled everything I had with Telkom too