Miway – Rejected Washing Machine Claim C*** Without Inspecting the Failed Part

I am lodging a formal complaint against Miway regarding claim number C*** for my washing machine.My 6-year-old washing machine suffered a sudden mechanical failure mid-cycle. I have mechanical cover under my Miway policy.Miway appointed an assessor who did partially strip the machine. However, the assessor did NOT strip or inspect the actual bearings that allegedly failed due to “wear and tear”. I requested and received Miway’s assessor report and photos. The photos only show the top and back of the machine. To access and inspect the bearings, the drum cover MUST be removed. This was not done. There are ZERO photos of the bearings, drum cover removed, or any inspection of the failed component.Despite having no physical evidence of the bearings’ condition, Miway has repudiated my claim citing “wear and tear”.My issues:No evidence for repudiation: Miway is rejecting based on “wear and tear” without any technical inspection, photos, or evidence of the bearings. The onus is on the insurer to prove an exclusion applies. An exclusion cannot be assumed If the drum cover was never removed, the assessor could not possibly determine whether the failure was gradual wear or sudden mechanical The failure was sudden and unforeseen during normal use. I pay for mechanical breakdown cover. A 6-year-old machine failing suddenly is not automatic “wear and tear”. The accessor from MiWay presented to me first that this claim will be declined due to wear and tear and that will be his recommendation so it is up to me if i want to go ahead with the claim but then advises that what he said should not i quote "influence" my withdrawal i mean really you guys are a piece of work or rather LOOPHOLE SPECIALIST!!! I have been with Mi way for 7+years and this is the first time i have dealt with this level of incompetence which is making me reconsider! i would like this escalated with an explanation and urgent attention!!!