Honesty is not valued

I have had it with this **** of an insurance!! I have cover for accidental damage for my home contents. We had an incident where an xbox was knocked over and fell off a small cabinet. The xbox was in perfectly working condition, but after the fall it was not working, but had no physical damage on the outside. I submitted a claim, and Momentum had the xbox examined at a cost of almost R1700...hopefully going to be paid by them, as I as sure as hell will NOT! The report came back as wear and tear, and the claim was declined. Amazingly how wear and tear suddenly kicks in after an accidental fall to the ground.... They would rather pay someone that amount of money for a report, than actually helping the client!!!! I am an honest person, and reported the incident as it happened.....but insurance companies are pushing me to lie with the next claim, as the truth and honesty does not go a long way....next time I will throw the item off a second story building to show signs of damage,...please do not waste your hard earned money on Momentum, as they only collect, and never pay out! This is the second claim that they are not paying....always have an excuse!!!! Worst company EVER! DO NOT TRUST THEM! TIP FOR THE DAY: if anyone ever needs to submit an accidental damage claim, please make sure you damage the item to smithereens, as they wont pay if it does not show signs of damage on the outside....it is not helping you to be honest, then they dont pay....