Multichoice insurance policy its a ****

I have been owning the decoder from multichoice for more than 10 years including paying their insurance so now my problem start when my decoder is no longer working and I logged a complaint with multichoice but my complaint is not yet finalized or should I say resolved I don't have a decoder at the moment and I am not willing to pay for another one multichoice must refund my insurance money or give ke another decoder *** 089 Ms Mamogale ***