Insurance Claim

Have an insurance claim with Discovery they refuse to pay me but instead replace the TV when I told the consultant that want to get another make TV. Discovery decline the request and refer asked there provider to replace the TV which I also disagree with as the model is no longer available but is replacing the TV at a cheaper value. Becareful as this was the first time I ever claimed yet othrt insurance gives you the money for the replacement. Not happy with Discovery as I clearly asked for my insurance to include power surge etc now the consultant advised I dont have this. Left 3 message since yesterday and nobody has called. Definitely going to cancel my insurance with Discovery