Outsurance Replacement Problems

I have lodged a claim with Outsurance for our decoder that became faulty as a result of power fluctuations. The LNB does not work on the new decoder, which is a Explora and this replaced the PVR we had. HI FI Corp say they only Quote what they are ordered to. See my further complaint below regarding replacing items from Outsurance. I get the impression they are just too happy to get their customers to downgrade the items they used to have and be satisfied to take what is offered. When my laptop and S6 Edge was ******, I had to forfeit my LAPTOP BAG, MY WIRELESS CHARGER THAT CAME WITH MY PHONE and the Office pack. I had to replace those items out of my pocket, this time I am NOT going to be ********** again!! I don't have WINDOWS on my laptop, as I don't have the money to buy that. I downloaded a inferior program from the internet as to be able to read and dictate documents. WPS Writer. ALL those were included when I purchased my items.