Useless service AGAIN

Once again, I have to vent. My pool pump stopped working. So I logged a claim. Off course it was rejected, Wear and tear and policy wording etc, I don't even know why I have bond insurance, as every claim gets rejected. Any excuse not to pay. But I can get a contractor at my cost. For what? Are the SPs they use not qualified enough? Why should I get someone at my cost to dispute this claim. I am so sick and tired of SAHL and SAHL Insurance. I wish I had the money to move my bond elsewhere