Terrible service. Insurance on portable devices not worth it.

Terrible service for device insurance, firstly they tell me they don't have a service provider in my area. I am in one of the major cities in South Africa (Durban), then they expect me to look for one and kept pressuring me to a damage report. I paid insurance to avoid that. They later send a provider to me after I complained, then took a week to give me progress. The contract never stated any exclusions to why they would decline my claim. They tell me that the damage report came in a component failure and not physical damage or theft so they would not cover it. Which makes absolutely no sense as their contract says nothing about the exclusions to the claim. So in short they will only fix an item that has been deliberately damaged but not one that was damaged by a system failure. I'm mostly appalled by that this information was not shared before I wasted thousands paying insurance with them. I request either they fix the laptop or return it and cancel my portable device insurance with them. What am I paying for anyway. complete nonsense really. The car and health insurance is great but I will not be covering anything else with them anymore thanks.