Robbing pensioners

I am currently insured with Outsurance for my home. In 2019 I had claimed for a burst geyser which the insurer replaced with all fittings. I paid excess and was satisfied. This year the geyser starts leaking again ,upon calling Outsurance they send out a plumber to access, the plumber advised that they install cheap grade geysers and therefore the geyser breaks often. They agreed to replace the geyser under the warranty. The plumber took 2 full days to come out and replace the geyser in which I lost over 200 litres of water which I pay for. The plumber and outsurance now advises that I need to pay for parts which the warranty does not cover. My issue is, if Outsurance did not use "cheap" quality geysers we would not have the problem of replacing the geyser every 2 years. In our current state of economy and financial crisis I as a 64 year old pensioner must now worry about finding money to replace the parts. Its ridiculous that we keep getting ****ped.