Concern Regarding Rejected Claims and Policy Coverage

I am deeply dissatisfied with the service I’ve received from MiWay Insurance. I hold both a Home Contents Policy and a MiWarranty Policy, yet every claim I’ve submitted has been rejected. Although my fridge was replaced once in the past, my recent claim for the same item was declined on the basis of “wear and tear,” supposedly because it ran out of gas. This raises a serious concern — why would I pay for a product that excludes coverage for common and unavoidable household issues?

Despite paying my monthly premiums consistently, I was never informed that the policy only covers limited events such as natural disasters. It feels misleading, as clients are not made aware that ordinary, day-to-day damages are excluded. I even have an unresolved claim for window wipers that has been open since last year, which I eventually had to fix myself. At this point, I’ve stopped submitting claims and resorted to handling repairs personally, even though I continue to pay for cover that offers little to no practical benefit.