Dual view SD PVR Insurace that is not being honoured and 30 minutes service/viewing interruptions

I have insured my SD dual view PVR decoder for years till current. It is insured against theft and break downs. My decoder restarts every 30 minutes and I cannot enjoy watching tv. At this time Multichoice is the cause of the breakdown. They currently charge insurance and claim that the product has reached end of cycle. I have complained to the call centre and spoken to different individuals. They staff says that I insured a decoder and not the facility. This is a lie, as the premium was according to the decoder. Why would a single decoder be a replacement for a dual view recording environment.

I do not understand why the Short Term Ombudsman and ICASA have no say with what Mutichoice subject its customers to. This is White Monopoly Capital State Capture In Action. There are many sites including MyBroadband that have written extensively about the Dual View SD PVR poor service problems and Mutichoice that does not want to honour thier insurance contract. Why would a single decoder be a replacement for a dual view recording decoder environment.