BAD SERVICE

My name is Nomvula Gumada, my husband and i have an insurance policy with Outsurance for over 3 years. When the policy was taken no one came to assess our home and calculate what the amount will be that we need to pay monthly it was all done over the phone and all we were asked was the size of our house and area. Please note we are pensioners and some things we need more clarity on. In 2022 we had a claim logged for our stove which was faulty and our claim was rejected. Last week we claimed for a faulty fridge and it was rejected again, we are shocked at the service we receive from outsurance. On your website this is the promise and statement you made "We’ll cover all your home contents against theft, intentional damage, as well as damage caused by a power surge or a burst geyser. Plus, damage due to fire, lightning storm, hail and flood" However we are not getting that but getting rejections, had an assessor came out to assess what we want to claim none of this would be happening, for over 3 years a pensioner has been paying over 1200 only to be rejected when claiming. What is the purpose of an assessor, just like a car when you insure it it goes for an assessment why wasnt the same done for our home and contents that way we know that our contents are not insured, i really feel we have just been donating money to outsurance and not receiving a service.