INSURANCE ON MY DECODER & GETTING A REPLACEMENT

IN 2011 I TOOK OUT AN ACCOUNT WITH THEM (DSTV PREMIUM) AND I TOOK INSURANCE. <br> MY DECODER HAS BEEN GIVING ME PROBLEMS FOR THE PAST TWO WEEKS, I CALL THEM TODAY TO FIND OUT WHAT THE PROCESS IS OF GETTING A REPLACEMENT DECODER AND I GET TOLD I AM GOING TO GET A REFURBISHED (WHICH MEANS SECOND HAND, THEY JUST USE A FANCY WORD).<br> I AM FURIOUS.. I AM NOT UNDERSTANDING WHY I WOULD HAVE OPTED FOR THE INSURANCE IF I HAD KNOWN THAT SHOULD MY DECODER HAVE A TECHNICAL PROBLEM I WILL GET A SECOND HAND DECODER... HOW DOES THAT MAKE SENSE??? A DECODER IS R600 BRAND NEW.. I HAVE BEEN PAYING FOR INSURANCE FOR FOUR 4 YEARS NOW WHICH MEANS I HAVE PAID THEM R1200 IN INSURANCE MONEY (25X48=1200) AND NOW THEY WANT TO COME AND TELL ME I AM GETTING A SECOND HAND DECODER. THAT I WILL NOT ACCEPT NOT IN A MILLION YEARS. IF THEY WANT TO SEE AN ANGRY CUSTOMER, ANGRIER THAN THE CELL C CUSTOMER THAT PUT UP THE BILLBOARD THEY MUST JUST TRY AND GIVE ME A SECOND HAND DECODER.<br> THE CALL CENTRE AGENT I SPOKE TO KAGISO CLAIMS THIS WAS EXPLAINED TO ME WHEN I TOOK OUT THE INSURANCE, I TOLD HER TO FIND THE RECORDINGS OF THAT PHONE CALL AND THE EMAIL THAT WAS SENT TO ME WITH THE TERMS & CONDITIONS.<br> I WANT A NEW DECODER!