Horrible Horrible service, even from their management

What horrible service I have received from Santam. I pay so much money every month for years and when your Television breaks down, they look at your damage report they simply say they will not cover for wear and tear or depreciation. They tell me they will cover if my house hold is damaged. WHAT THE HELL!!! is it damaged. So they're telling me that if I have a laptop, fridge, microwave etc and it suddenly does not want to work they will say oh no we cannot cover you cause its wear and tear. From today, I will discourage all my family members, colleagues and friends NOT to use Santam as their service is pathetic.