Insurance not covering services

I have insurance on my DVR3000 PVR 1 decoder.<br> This decoder recently gives a lot of problems insofar that it reboots itself approximately 3 times a day, it shows the incorrect date, and also shows incorrect time tables for programmes. Most of the time I cannot use the PVR function as well, as it gives me a message that the hard drive is not functioning.<br> We've taken it to MultiChoice at N1 City Cape Town. They've indicated that they do not repair/support these decoders anymore and that they will replace it with a Explora single view. But, according to the person at N1 City I will have to install a new LNB on the dish itself, which will cost me R445 if buying it from them. Nikiwe Ngwenya from MultiChoice enquiries also indicated that I cannot use another decoder (D5D990) which I already have for Extraview as it is not Extraview capable. In other words, if I understand correctly, for me to have the capability to view two channels and record one, I will not only have to buy the LNB, but also another decoder (other than the Explora) as well as pay for the installation of the LNB.<br> With insurance it means that I should be put in the same position as previously.