Decoder not paid for but already faulty

In December 2013, we accepted an offer to upgrade to the DSTV Explora, paying for it over 24 months. Today, 6 October 2015, the hard drive has packed up. The replacement costs R600, so after 22 months with the original not yet paid for, I must outlay a further R600. The big hype on DSTV that you can record whenever you want and watch later goes out the window, as all my recordings are lost. I then get offered insurance at R35 per month for just such an event, or theft or fire. I'm already insured for the latter two, so if I took the insurance and my decoder packed up every 22 months, I would be paying R770 for a R600 replacement. I think Multichoice are supplying us with inferior equipment and the further milking us on the insurance.