Budget insurance

my name is Godfrey Kabelo Masoka id no:***. I'm a client with budget and I'm so disappointed how my claim was handled I joined budget for more than two years and my first claim was on February 2023 and didnt receive any help.

When I opened an insurance I made it a point that I'm covering my household equipment appliances on February when I claimed they did send an underwriter to come and assessor but i was told that I was under paying as i was paying R105 per month for the claim of R 86 000 while i was supposed to paying R 145 per month for the claim of up to R 179 000 .After they evaluated of my house hold i got a call that my claim was not approved reason being the appliances that i was claiming for where getting old that why are not working anymore and according to my understanding that means i can only be paid out if there is a fire or water damage due to storm but i stated the first day i joined that I'm claiming for damage ,storm and theft till today they are busy deducting the money on my account while i was not help so i made sure after the debit order I'm reversing the money back as i was still waiting for the call to cancel my policy. as i speak I'm still sitting with the appliance that are not working anymore

Kindly assist with the above information

Hope to hear from you soon.