Bad Experience with Discovery Insure.

I Lately received the worst service from Discovery insure. Claimed twice and was declined. For the first one I understood when they said the gas refill is not covered.I refill that.all good and well.2nd time again same issue in hardly 3 months I call in for a claim.The fridge was filled with gas,worked for month.1.the consultant dealing with ny call,sounded irritated and not willing to assist,I called her to order regarding her attitude,she said it was her voice but suddenly after ne telling her she started warming up.A service provider was sent,to my house to assess the fridge,during his assessment is he already giving me his private quote to fix my fridge,that already,gave me suspecions about my outcome of my claim.So the claim was declined.I called this guy who was sent by Discovery to fix my fridge,he mentioned that pipes were blocked,I paid him for the repair of my fridge he wanted immediate payment i did so.He also mentioned the sound he sound of the fridge I should buy a compressor,he also told me what compressor to buy.My fridge is still not 100% fixd till to date.The guy Robert Discovery Insurance' Service Provider is MIA.My Question is why are we still paying insurance if.No 1 Service is poor ,Service providers making doggy deals with their customers and ran off.Over and above your claim doesn't get approved.Thus is Really Frustrating.I am done with Discovery.They only interested by making sure that you pay your monthly premium and the rest is Taboo.