OUTSURANCE - HOUSE CONTENT BREAKAGE

I have insurance for house contents with Outsurance. My tumble dryer stopped working and there was a burning smell, so I logged the claim with outsurance. This morning I received a call from them regarding my claim, I am only covered for power surge and lightning on my contents?? I have insurance for house contents only. That is why I pay for insurance for when something like this happen I expect my insurance to fix the content or when it cannot be repaired to replace the content. I was with Santam first, when my dishwasher also had a mechanical fault they did not want to do anything, it must also be caused by lighting or power surge. That is why I moved to Outsurance. When I started my policy I told the consultant all contents must be covered because I had the issue with Santam that I was not covered when my dishwasher was faulty! I was insured by the consultant all my contents will be covered! Now they wont even give a option to send someone out to come and have a look, it can maybe just be repaired but claim is being rejected before someone had a look at it! This is really unacceptable!! Always a problem when you want to claim!