Why even have the Policy

Why have a policy that if you claim the processing takes 6 - 8 weeks. When you phone to find out how far, you are placed on hold for long periods and they still do not have any answer.<br> <br> What person can stay without an kitchen appliance for 6 - 8 weeks? If it is your fridge, how do you keep your food cold, microwave - How do you heat up your food? Can't defrost anything. <br> <br> So not happy and finding the policy worthless, in 6 to 8 weeks, you could have gotten enough money together just to replace it yourself.