Not happy with OUTsurance

I got a call from OUTsurance today stating that if I claim on power surges and lightening I would have to pay an excess of R10 000. I just claimed on some appliances that stopped working when we had the loadshedding that was dropped on us and I was unaware. Unfortunately I claimed twice last year for tvs because of a power surge and lightening. I have been an OUTsurance client for years and unfortunately I cannot control the weather or the electricity and I am really angry at the way I have been treated. Now I want OUTsurance to tell me what appliance that blows because of a power surge costs more than R10 000. When I claimed now I was given the option of canceling my claim. Have you ever heard of that I am appalled. Also the vacuum they replaced my dysan cordless vacuum with was the cheapest they could find so you have a top of the range dysan and they replaced it with the bottom of the range. (GO AND LOOK UP A DYSAN CORDLESS VACUUM) I wonder why I am paying insurance. I am a pensioner and cannot pay R10 000 excess. It is way more than my monthly pension. Shame on you OUTsurance. I thought you looked after your old longstanding companies.