Old Mutual Insurance fails to repair or replace insured appliance

We have sent through a request for claim for our fridge out of order. A technician came to inspect and advise it requires re-gassing at our own cost. We then had the fridge re-gassed, however that was not the issue. We then contacted the insurance again and the technician was sent out again and he then found multiple faults. The insurance now refuse to repair or replace - this claim has been going on since 4 Sept 2024.