Frustrated Pensioner

I have an insurance policy with dial direct for about 8 years. I am a pensioner of 68 years old and pay a steep monthly premium of R1800 monthly, lately I have noticed that all my claims are being dismissed or the come back with some ridiculous story of why it is not possible for "them" to not pay me out or fix my contents I have insured with them. I find their reasoning totally absurd most of the times and frankly frustrated at the outcome of my insurance claims, the reason I dont mind paying the installment is for peace of mind, knowing that should my deep freezer, washing machine, TV etc pack up, my insurance will assist me. I am at my wits end and will be cancelling my policies with them.