Unhappy loyal client

I sent in a claim for my LED Hisense TV. The excess was bigger than the cost of the TV. The TV didnt switch on one evening after getting home from work. A&G added an additional excess for power surge to the claim. However we havent had load shedding in forever in the Western Cape and definitely not within last week when my TV stopped working. Secondly, they didnt even collect the TV to test it, so how make that assumption.

I dont falter on my monthly insurance payments. This feels unfair.

A year or two ago a TV broke because of a gust of wind that knocked a metal pelmet against the TV breaking it. NO hassles on that claim, no excess either. WHY??? Does one have to lie to insurance to cover the claim?

Very unhappy customer.