Explain to us dumb people in future what power and lightning surge means

So I was asked if I'd like to add this cover to my insurance. I said yes for the reason I would be covered should something happen because face it we live in SA. Now that I had a query regarding claim I get told that nope in this case I can not claim only if my fridge was broken. Maybe in future tell your clients what it means and what is not covered when speaking to them over phone selling this insurance.

My impression was that power and lightning surge means when I don't have electricity and it's not my fault. We have been without electricity for 5 going onto 6 days now without electricity and everything in my fridge and freezer has gone bad. R1000's of rands of damages, face it meat is expensive and when your freezer and fridge is stocked it is a huge loss! And yes we have the Ref number to municipality with the problem and messages to municipality so we have proof that the issue is not with us ourself it's the municipality. Now find out only if the fridge was broken I can claim not in this case when the electricity has been off for 5 consecutive days. What is the use of this insurance to me then!

Really MiWay in future explain this to your dumb clients like me who doesn't understand what power and lightning surge actually means!!!

Been with MiWay for years now and first time I had to actually call regarding a claim just to find out that dumb me does not understand power and lightning surge