how does irreparable 6 year old fridge mean wear and tear no gas

My fridge that has been used by 2 people & i have for 6 years packed up. Not sure if it was with all the loadshedding. I was away for a week & only noticed the evening after i got home my fridge was on but not making cold. Paid for 2 people to look at it & was told the same thing. Irreparable. Contacted insurance company & they sent out their people to check - Appliance Repair Centre. Same thing - fridge is irreparable. Then my claim was denied because of no gas? I was not a happy chappy & wanted to know how can it go from irreparable to wear & tear no gas? If it was a case of regassing, of course i would do it. I have requested a report & so has my insurance company but not a word from ARC for over a month. So are we now meant to buy new refridgerators every 5-6 years? or is that the thing to say now, irreparable because that was the exact words used by all 3 technicians, but my insurance company denies my claim as they were told - wear and tear no gas