Poor Customer Service From Momentum

As a home insurance policy holder with Momentum for 5 years we have been failed and **** to by Momentum as we logged a complaint with them last week about our Hisense 65" TV that just went to different color screens while we were watching TV.Momentum sent out there service provider who fetched our TV to have a look what the problem could be as the TV had sound but no picture after their assessment they called my husband and told him that it is a component failure the TV cannot be fixed as the parts are not available anymore.We received an email from Momentum stipulating that the can't replace the TV as per the repairmens report its wear and tear and it stipulates in the policy it does not cover component failures due to wear and tear however in the hard copy we were given it does not highlight what is covered and what is not covered.We have been sent from pillar to post from Momentum staff whom all are running away from assisting us as clients from Momentum' we have dealt with the following people of which one is the so called manager who does not have the decency to pick up her phone to call us back we made all the phone calls ourselves not one call from Momentum manager Ntakadzeni and other staff includes Maghadi'Pamela'Lethabo and Kerry-Ann who when my husband speaks to her she says no comment.As for the manager who is running away from the complaint sent a email saying the broker was sent the 29 page document and he was supposed to have sent it to my husband to stipulate what is covered and what is not covered in the policy Momentum wants to shift the blame and running away from the lies they sell customers.The manager and all Momentum staff are telling us to go and get a second opinion for the tv and send them a report Momentum service provider already opened the tv and found it cannot be repaired with that in mind how do we not know that their service provider might have caused more damage to the unit and are now insisting we should send the tv for a second opinion and send them a report.Besides there service providers assessment on the TV only Momentum was sent a fault report and my husband was called from the service provider to find out what we are going to do with the situation.Momentum who is not helping us in any way and leaves us with no choice but to involve the Ombudsman for insurance as well.Regards Mr G Carpede