I always received calls from customers complaining about their Microsoft phone, the latest I had was when her narrator turned on and no matter what he turned it off, it’ll not just turned off. So when I got the chance to buy a Microsoft phone, I studied it very thoroughly.
When you want to turn off your narrator in your phone and could not go to the settings, well just have to press and hold the volume up bottom, then press the Start button. Don’t release the Volume up button until Narrator tells you that it’s turning off.
If you want to get rid off that voice over when an incoming calls occur. You just have to go to your settings, tap ease of access, speech accessibility then turn it off.