Disappointed Dotsure client

I have just submitted my first claim to Dotsure as my microwave just packed up. I was then sent an email to say I need to take pictures of a surge plug and send to them, if we do not have a surge plug, the excess is R2000. If I have a surge plug, the access is R500. This does not make any sense to me at all as the price a brand new 30lt microwave is under R2000. The surge plug on electrical appliances was not mentioned when I had taken the policy for household contents....I am a very upset and disappointed with Dotsure that I want to cancel my policy and want all my premiums back.