insurance claim rejection

Good day<br> <br> My name is sylverster pillay. I logged a claim for my damaged sony home theatre system on the 10th janaury 2016 and the claim has been rejected prior to it being approved previously. The claim was approved but than rejected as the consultant had told me they dont cover a power surge fault but they will pay me out anyway but not the value of the replacement device but instead R10000? Soon after they requested to have the system assesed by their own supplier and than rejected the claim stating that it was a wear and tear fault. I am highly disaopinted with the service i have recieved from them at hollard insuance. I feel that i was messed around by them. I also asked the consultant to foward me the terms and conditions stating what my policy covers and she refused to. My home theatre system was assesed by their providers and there were no fault found but the speakers and amp still does not work. Please can you guys help. Claim no: 912325