After Sale service is a headache

So i thought i would leave the bad blood behind with dial direct after taking a 3rd chance with them and once again i am being disappointed with the after sales service. I recently took out cover on my vehicle and was advised that my mag rims does not fall part of the cover, i then opted for someone to contact me so that i can take the additional cover. in a week i still have not received a call,but should i have the unfortunate happen and will need to submit a claim i will be told sorry you were not covered.

As per my past experience with dial direct i had 2 claims rejected even though they were valid claims. I queried the one and they still said that after investigation that it was not valid and accepted the outcome of the 2nd as to avoid further arguments.

1st claim was for my gaming pc and i requested that i send it to my assessors first and they agreed,but once their assessors looked at it,they stated tampering aand rejected my claim,even knowing very well there was people that assessed the pc before them and submitted their report.

2nd claim was for my tv,we had a power surge in our area,which resulted in white line appearing on the screen and they sent out the first assessors which hardly done a proper assessment and advised its old age that caused it,2md assessment which was done proper stated they could not see the proper cause,but could also be due to age, a week after the report was done and claim was rejected, we had another power surge in our area and the white line disappeared. So also a question i would want to ask that if it really was due to age why was i not informed by the insurer that only items of a specific age will be covered and also if the lines was caused due to age why did a 2nd power surge fix the problem.

My final question is why can the sales team be such a delight to deal with in regards to queries and adding policies, but when it comes to claims and adding additional cover it is an unnecessary hassle and headache.