Horrible experience with claiming

End of nov 2016 my fridge was replaced by auto and general now 11 months later the fridge they gave me keeps on tripping my electricity. My food went off as i wasnt home and i cannot use the fridge at all. I was told its some or other element that went i have to pay it out of own pocket but the fridge is 11 months old so must still be under warranty so why must i pay for something they sent thats still new and under warranty??????? And they wont even pay out for my food items that went off even though it is something that I couldn't prevent happening!!!!! Its their fridges fault!!!!! Why do people pay insurance if they always have a prob when you want to claim