First Time Claim-Rejected

I lodged a claim in Feb. reg. my built-in stove (which has been there for a long period). I moved into the house in 2012 and the stove has now completely given up. Two separate technicians came to check and they found out that the stove was really finished and dilapidated, considering the period that it has been in existence. The second guy came on 6th March and he told my husband that he is going to recommend a new stove. No response was received until I called on the 13th to make a follow up. Upon phoning, they told me that the claim has been rejected because of <br> WEAR AND TEAR. For goodness sake, we are talking about an electrical appliance here and such things do happen.<br> <br> I am disappointed as this is my first claim in three years. When you take up a policy, you are not asked how old is your property, but upon claiming, you are told of Wear and Tear. UNFAIRNESS at its best!!<br> <br> Ironically, premiums went up in Mar 2015. What am i paying for if REJECTIONS are the order of the day? <br> My property is very old (in Rewlatch) and this means that all built-ins will be REJECTED bcus of WEAR and TEAR.<br> What are the joys of paying for insurance. ABSOLUTELY NONE!!<br> VERY UPSET. PLS ASSIST