Feel like a Sucker

I went to the Alberton Lemon Tree DSTV agent. Great service there. But; I have a problem with Multichoice. I had my decoder from new and it was insured from then. I had a small problem and was given a refurbished one in exchange. Do Multichoice not know that we all are not looking after our devices the same. Mine's was new and I have no clue how many times this exchanged unit was repaired before given to me. It also looked much older than mines. So I phone to ask what the warranty on the exchanged unit was. Six month they said. I then told them to cancel my insurance until the end of that period as I cannot pay for their undertaking. They insisted it would be better to keep the insurance as there was a waiting period of three months before the insurance would be active once I apply again. WHY? Do they not trust the work of their technicians and, they do have a warranty seal on the device. And my second Question was; Why a 3 month waiting period? I am not buying a funeral policy…..?