We had a Burglary in 2019 and some items in the house were ******, items we have had for more than 10 yrs - microwave

We had a Burglary in 2019 and some items in the house were ******, items we have had for more than 10 yrs - microwave. ABSA has a contract with New world Discount stores to replace the items of their client. Microwave we got from new world has stopped working and still under warranty but we are expected to pay. So what is the use of insuring your household items, when they will only be replaced for less than 2yrs and they are broken. ABSA should just give clients the value amount of the ****** items . Clients should then decide where to buy. We know there are reliable shops like Game and Makro. They don't ask questions, they give you a new one and deal with a broken one. As long as you have your receipt. Please let us get value for our money.