Loadshedding damaging our appliances and claims get declined.

We filed a claim after our fridge stopped working. Absa Idirect came to assess the fridge, but since then, we haven't received any communication from them except when we call, and even then, there's been no progress. Sometimes they promise to call with updates, but the call never comes. Today, when I phoned them again, I was told the claim had been declined long ago, with no notification given to us. I've been informed that the consultant who handled the claim will be asked to send the decline letter and instructions for disputing the claim if we wish to do so. The reason for declining the claim is that the fridge's oil component failed. Considering the fridge's age, it's understandable that components will start to fail, especially with frequent power outages damaging our appliances. I'm canceling this cover because it's of no use in times of need. In my personal opinion, it seems as though they looked at the age of the policy holder and her location and they decided to decline the claim as looks easier to get away with it without a fight.