I pay an extremely lot of money every month for declined Insurance claims

Standardbank -Stansure Insurance, I feel extremely disappointed in the fact that this insurance is a complete *******.

I am paying extra money, I evens upgraded my insurance to a much higher policy to cover all my appliances for breakdown and ware and tear.

My Fridge Broke down in Lockdown, I paid a private Fridge tech to have it re-gassed and it worked. The Fridge is only 5 years old.

My Fridge stopped working again in November 2020, In December I had the same private Fridge tech come out to look at my fridge and was told it sustained an internal leak and will need to be replaced.

I logged a call with Stansure on 22/12/2020 got claim *** and your assessor called me to schedule for 17:30 on 24/12/2020.

I cancelled all my plans to attend to the appointment at 17:30 on 24/12/2020 and your assessor never pitched, than after several calls, got hold of him, told me that he realised that it is new years eve, got his dates mixed up. very dissapointing, than wanted to schedule for sunday. we agreed on Monday 28/12/2020, he **** the appointment and told me during his visit at my house that he also do forensics investigation for dead and suicide people and covid19 sanitization. Interview and inspection was concluded, I waited 5 days and no update. I called you now just to be told my claim is declined due to wear and tear. bladdy lies. it is a 5 year old fridge, It stopped working, it has an internal leak and you refusing to replace or approve my claim, you cheating, ****. I will refer this to the ombudsman, as I am now paying double the amount to cover all my appliances for breakdown and ware and tear. I am disgusted by your poor service and I feel it is a disgrace being standard bank customer and having Insurance with you, as you quick to take my money every month, but when I need my insurance to pay out for break down than you decline with a lame excuse. I have fridge that broke down, no working fridge during the festive, still paying you and this is the poor service I get from you And Stanture...I need this escalated and turned around immediately you cheating company.