Bad service

I joined Budget insurance and covered my home and home content it happened 3 weeks back there was a explosion with our electricity transformer.When the transformer was fixed my washing machine wasn’t working. I contacted Budget insurance they sent guy to come and assess the machine.The guys came and took the washing and said a sales person will call me after they are done with their assessment. The following week a lady called and told me I qualify for a new washing machine with a budget of6500 but I must first pay an excess fee of 4700 or they make a voucher and deduct the 4700 and give me of what is left. When I counted I’m left with 1800 I asked the lady why is the excess fee this much she said because it is load shedding related they add an extra 2000 to the excess fee.My question is where will I find a washing machine with 1800.Both options they gave me I end up buying myself a new washing machine and they say I qualify for a new machine.