Miway always looking not to pay.

on the 28th January 2021, my Hisense 55" LED TV broke. What had happened is that I was watching TV at the time and noticed smoke coming from the back of the tv before hearing a bang. I lost picture and power. The next day I logged the claim and this being my first time I ever claimed I was not really sure of the protocol. I dealt with Peter Otto who handled my claim professionally, well done. I was told they will get back to me within 5-7 workings days. I had to contact them on the 9th day asking what is happening and I was always told that they will get back to me. Eventually, they did on the 13th to say it with the claims manager after waiting on the report from GW Tech who had seen too the repairs. Today the 17th comes and I am told that they will not pay due to wear and tear and that the capacitor blew due to that and that GW Tech supp**** them with a cost to replace the panel itself. Nowhere was it even offered to be fixed as they assumed I am just claiming for a new TV. I personally know of people who are with other insurers who had the same thing happened to them, one was fixed and the other was replaced no questions asked. As great as their service is to get the business and money from you they are always going to look for ways not to pay as they are in the business to make money not pay out anything. They didn't even entertain the question when I asked that it could have been caused by load shedding as I have tv's older than 10 years that are still working just fine as well so it surely has nothing to do with the age and that wear and tear was just an easy way to say sorry we not going to pay. I am now wanting to see how long they going to take when I cancel my cover with them and tell the rest of my family to do the same because when they claim they will also not get paid out and they will also surely get a response as wear and tear. Thanks for wasting 3 weeks of my time for nothing.