Worst insurance experience ever

We went on Holiday over December and on return we found that the tv, xbox and laptop in game room no longer works as it should. We submitted the claim with discovery and the assessment company came to pick up all.

The assessment company phoned us and said there is nothing wrong with tv, xbox and the laptop is due to water damage, i asked the tech if they tested the hdmi on tv as that what seemed to not be working anymore on tv, he then rep**** no but will test, he then said the xbox is wear and tear and cant be claimed and the laptop is water damage so cant be claimed, i then requested photos of the assessment of laptop as i am in IT and want to see the water damage that i know is not there, they sent photos of laptop and marked where they expect water damage, i advised that there is no water damage that i am aware of and if they can please send photos of the bottom of the laptop as that is where you will able to see power damage. I was then advised that they will not be able to remove the motherboard as this will break the plastic, being in it and replacing multiple motherboard i know this laptop motherboard ca be fully removed without breaking anything, and how can you say an assessment is complete if the company doing the assessment cant even remove the board to do a thorough assessment , no the question is xbox really wear and tear?

After numerous fights with discovery to get someone who can do a proper assessment we were told to log a dispute as it was already rejected and this can take up to 30 days, they now paid out our Sony Bravia tv with a Takealot voucher of R2500 as this is what there vendor quoted for a replacement, when asked what did he quote i was told a Samsung, i would like to know where i can buy a 40" Samsung for R2500 please.

I advised that i had a sony and i want a sony replacement , still waiting on feedback.

Having our medical aid, car and house insurance, life insurance with discovery, you would thing the service will be good, but no they dont care, even the consultant shouted at me saying they she personally will reject our claims.

I can go on and on about how poor this experience is with Discovery. No attempts to resolve, we have to keep phoning to get answers, multiple promised they will call back but they never do.