Very disappointed in Santam.

It is so sad how Santam has just gone downhill. My elderly father has been with Santam for more than 20 years now, pays every month without delay and barely puts any claims in. But now that he does (for house appliances that has stopped working for no reason) his claims are being denied and it takes forever to get information from, and you have to call them back multiple times to get any reaction. They (Santam employee handling my fathers information Robin Phillips) keep using the same excuse (normal wear and tear), after two assessors themselves came out and looked at the appliances and stated self that it's not wear and tear - it is a claim. So why Santam, is my father paying you every month - working extremely hard for his money - to get nothing?