Worst Experience Ever

Worst Experience Ever. I have put in a claim to outsurance for my broken fridge, which started giving problems since the electricity went off due to loadshedding. The claim is still in progress but there is alot of stories with Outsurance. 2 Companies came out to assess the fridge. The 1 company wrote a report that it is an internal wire problem. The 2nd company wrote that it an internal leak. 2 Companies with 2 different reports and based on their reports Outsurance doesn't pay out as they they don't cover for problems on appliances over time. Paying premiums every month is not a problem, taking our premiums is not a problem but when it comes to claims you are told that they don't cover if your appliances when its getting old and giving Problems then they come with factory faults problems (thats how I understand it). They don't even cover for a repair! When I take out an insurance I expect that everything is covered.