WORST EXPERIENCE I HAVE EVER HAD WITH INSURANCE!!!!!

I have contacted Momentum agent 15th April to log a claim. He got back to me 21st April, letting me know that he no longer works for Momentum and gave me contact details who would be able to assist. I e-mailed the new agent on the 21st April, no response. I then e-mailed every e-mail address i could find for Momentum on 30th April. I was then told a new agent would be assigned to me shortly. 3rd May a claim form was sent to me to complete. I completed the claim form and returned it with quotes on the 10th May. 12th May an agent got back to me, to inform me that i need to get a damage report and organized for someone to collect TV (HMDI port not working and picture on the screen jumps occasionally) as well as a laptop (Keyboard does not work). On 19th May i requested feedback from the agent, no response. 20th May she calls to advise that the claim has been rejected due to wear and tear!. My stuff has still not been returned to me! Over a month chasing to log a claim, then to be told wear and tear. As soon as you take a newly purchased item and start using it, it is going through wear and tear! What am i paying insurance for, so that when something is damaged it can get replaced! Oh wait there's more, one of the vehicles on my policy has to be removed as it has been sold, i was told my installment will be amended a new contract sent to me, i suppose i will have to phone them to follow that up as well!!!!! WORST EXPERIENCE WITH ANY INSURANCE COMPANY!!!!!!