POOR SERVICE

Two years ago our double door fridge freezer gave problems and as a result we lost the contents of our fridge. Submitted a claim, asseccor came out but found that it was wear and tear however they paid our for the claim on content. Two weeks ago I arrived home from work to find my kitchen in a pool of blood. On investigation found that my freezer was completely defrosted and a bad smell was coming from my freezer! From the look of the items it appeared that the freezer had not been working for some days and i could not save any of the contents. My husband had a look at the freezer (as it was night time) and found that a little pipe behind the backing had rusted through allowing the gas to escape and a filter was blocked. Quick repair and within the same evening it was working again. As the contents was our meat supply for the next two months and i hardly ever claim on my insurance i submitted a claim again for the contents. This time however my claim was denied as it was apparently wear and tear and as such the item is not covered. As much as i tried to explain that i am not claiming for the item that was damaged but for the contents it was not understood. I raised the question as to how a person is suppose to ensure that there is no wear and tear on your fridges/freezers - should they be checked by an electrician and if so how often must they certify it, i received no answers. The reason for not settling the claim is as a result of natural deteriation of the appliance - however no explanation as to why a claim was settle 2 years ago on the same policy but now they see fit not to settle it. I can understand that they might feel the need to sent someone to check the repair and validate the claim, however this was not an option from their side. Very disapointed that the wording of policies can be interperated any way that suits the Insurance companies and we are just expected to pay exprbitant amounts monthly to try and safeguard ourselves from loss to no avail!