Miway home content insurance -its a ****

I have my car and home content insurance with them. Little did I know that they are the worst when it comes to home content and building insurance, I only found out after asking friends due them rejecting my home content claim. I claimed for an LG smart TV which was bought brand new less than 4-5 years ago and their reason for rejecting my claim is: WEAR AND TEAR meaning its old. I have never heard of such in my entire life, I didnt know we have to get a new TV every 3-5 in order to have it covered , I think it would make better since if we were referring to an old TV which was bought 10 years ago, not sure how we need to maintain the TV so it does not become a WEAR AND TEAR. It took them less than a day after the assessor fetched my TV for them to determine than its a WEAR AND TEAR, the claims team called me and said they would email me the rejection letter,no email was received until I logged into the app and picked up the letter otherwise I would still not have it.I logged a dispute on the same day and today is an week later still with no feedback or acknowledgment from disputes and neither did they return my TV.I had to call to even ask where is my TV since they rejected my claim, I guess they don’t know or care.I am very disappointed and will also take it to the ombudsman. I am still waiting for a formal feedback on my dispute with a full report of how the wear and tear was detected so I can also take it up with LG. The next step is to cancel all my insurance with them and get a transparent insurer. I will also tell my family and friends about this ****.