Auto & General Expert knows best

During December my geyser gave problems w.r.t heating water. I logged a claim and A&G send a plumber to come have a look. I requested that he replace the geyser as it's old and I am sure it was not going to be long before it sees it's end. Something like a R1,500 later for a thermostat replacement and we had hot water again...well until tonight (about 6 months later) when it burst. Now they will need to replace it and I need to pay another R1,800 in excess fees, which I am going to fight nail and teeth not pay, as I told the plumber to replace, not fix...but clearly the "expert" knows best.