Claim rejected - But always paying

My household insurance used to be with Virgin Money. I never had any issues with them. When I had an armed *******, they paid out my entire claim withing 48 hrs. When my fridge packed up, they replaced it within 48 hrs. Then I app**** for a loan and the fine print lets Dialdirect take over my insurance. What a nightmare and it feels like a complete ****? My TV packed up and I put in a claim, I was told a Leone would handle my claim. 24 hours later she phoned me to let me know that they will be sending someone to collect my TV and do an assessment. That was the last I heard from her. The following afternoon my TV was collected.. 3 days later, after I had to make numerous calls and sent an e-mail to Leone (which she never responded to) I got a call from their call centre saying that my claim was rejected. Apparently they do not cover wear and tear. I told the agent about my dissatisfaction and she said a manager will call me back. Which again never happened. But the moment your salary goes into your bank, the first debit order that goes through is Dialdirect. Dealing with them was very frustrating and stress full. You work hard and sometimes don't even get through the month financially, but always make sure that there is funds for their debit order, and then your claims get rejected. Furthermore, the company that they got to collect my TV, returned it today. But instead of putting it back in my house where they got it, they dropped it off outside my gate. Thanks Dialdirect for nothing, I'll be looking for an alternative insurance from a company with better ethics