Outsurance adds conditions afte claim withdrawn.

I submitted a claim for a damaged dishwasher. I was informed that I do not have Appliance Cover and that I should withdraw my claim. This I did. I then received a letter via email stating that I am to fit a surge protector or forego any cover. It is my understanding, from public reviews by respected consultants in the industry when the surge protector addendum was added during the height of loadshedding, that the no claim will be paid was applicable in the event of a total shutdown of the grid and the subsequent powering up again that should your appliances then break(during the process) one would not have a claim. The reason I have not fitted a surge protector, as I would take that risk of the grid failing and restarting etc. Now I am told, no, insisted on by the consultant and via the letter that I have no cover unless I have a surge protector fitted... well, if I did not lodge a claim and subsequently withdrew it, would I have received such letter insisting on a surge protector> I dont think so...