Worse company going

So I have had house and contents insurence for over 35 years now and never made a claim . So I went with tesco two years ago . So in April a new fridge freezer from Miele went wrong after just 4 weeks and we lost over £250 in food as a guess and this had happened a month before . After talking about loosing all this food a friend said claim for the loss .
So yes I made a phone call was told I was covered but had to pay the first £200 , well I said it’s not worth it . And she said ok that’s fine .
Now the phone call was only 2 min long and never thought any thing about it . So my email come threw a few weeks ago .
And OMG it’s gone up £120 more . Why also on the wording “ have you made a claim “ YES .
No I never so I ring up to be told it was a loss and they have to put this down . I said the wording says have you made a claim not did you lose . For what the woman just said well do you want to carry on with us or not . How rude I asked if I could speak to a manager and this rude woman just said she will tell you the same thing . I said I never made a claim and the loss was mine not yours . So reading on the renewal there was so many mistakes I thought that’s it they won’t every get my money again or in there shops because the woman was just so rude .
Happy to say I am with the Halifax now and almost £200 cheaper .
Also we now shop in sainsbury . Food is better .