Nedbank change cover so they dont pay out

I joined Nedbank insurance in June of 2015 and was assured by the consultant that the cover I was signed up for would cover all of our needs only to be given everything but the service expected. On Sunday December 13 2015 we found that our refrigerator was not cooling at all and found it had been the case for a few days as we had to discard some food stuff. I contacted my service provider (Nedbank) for help and was told to get a fault report at my cost which I did and I was informed I would receive a call before the days end. When the company completed their report I contacted Nedbank to get info on how to submit the report which I had done. I was informed I would be contacted. On Tuesday I again had to call and was informed after I requested answers that I was not covered for an in repairable internal leak.when I queried this I received a email informing me my cover had been cancelled because as per the email dissatisfaction with claim rejection . Nedbank had taken my money and when it came time for them to assist me they did not return calls, changed the cover so they don't pay out and cancelled my cover because I queried the decisions. Its just strange how quickly it escalated