Very Poor Service!

On Thursday i lodge a complain that my tv shows black spots.Friday Golden Mile came to collect my tv on behalf of Miway.Today i had to call Miway and find what the story is with my tv,they just told me they wont assist or do a payout cause my is damaged cause of wear and tear..What is wear and tear,cause my screen is still 100% they cant answer me?This service that they gave me is unprofessional and highly unacceptable.I called them again to cancel this policy with them,they told me there is no one there to help me,they will call me within 72hours,unbelievable wow..I just want to cancel this policy with Miway insurance and want all my premiums back,this is a matter that i am going to take forward.