claim submitted n no assesor sent out

On friday 4 march my garage door just wouldnt open even manually.We foned and lodged a call and specified its an emergency as my car is in the garage and we cant get it out.got a ref no and nothing else.we called sat morning again and again after 12 only to be told sorry they closed,but the call had been logged twice b4.we were stuck without a vehicle the entire weekend and now on monday morning when we call again,this call centre agent says sorry its not covered!how could there b 3 different stories and a decision by a telephone operator without even an assesor or anyone coming to even check?What are we paying monthly premiums for?where is the justification when nobody even bothered coming out?what are my rights as the consumer?am i not payin for this service and atleast deserve an assesor to assess the situation before someone just makes a decision.?Is this how discovery is again ripping consumers off?if its not medical or vitality now its insurance,and the sad part is we pay a fortune and still get no service or benefit from u guys!i have kids that need to get to school and i have to pay to loan a car,why do we have insurance anyway?<br>