Horrible Insurance Experience

i have Miway content insurance since last 2 years. i was paying my premium and everything was going so well untill i submitted my first claim. the claim was for Samsung TV which i bought 3 years back. i started seeing a line on the screen, so i asked for the assistance. A team came to my house for inspection. they mentioned that TV can not be fixed, ur insurance company will either replace the TV or will give u refund. and they submitted their report to Miway. 2 days after inspection i got call from Miway and they gave the closure to my claim saying its related to wear and tear, so we can not do anything abt it. where they mentioned wear and tear is applicable in cases where item is 7 or more years old or on the usage. and both these scenarios are not applicable in my case. on request they raised a dispute on this and i got an email saying dispute is closed that too without giving details and without discussing anything with customer. Consultants at Miway, will talk to u nicely only once when they have to sell the insurance after that they are always very rude and in hurry.