Don't claim!

After my fridge stop working a friend (qualified) electrician came to have a look and advice me to start a claim since it was caused by the continuous load shedding. One of their technicians came to have a look and said it was the compressor and he will advice that the fridge needs replacing. Next I received a call to say the claim has been denied since it was wear and tear. I paid another company to come out and their report also stated it is the compressor and their recommendation is that the insurance need to replace the fridge. So it seems King Price are willing to commit a crime just to get out of a claim.