whats the point of insurance???

Called my insurance company to let them know about my standing freezer and my fridge/freezer which both gave in due to a power surge ( thank you Eksom) on the day we called they said they will send someone out immediately, nothing! next day when called again was told that someone will come in to take both the units away to have them checked out? now i am sitting with a whole lot of smelly food items from both the units, still no one in to collect or check them, whats the point of them coming to take my items away and not replacing or repairing on the spot? What will i do the next few days without them? What about ALL my meat and other items which are now rotten? I have never experience such utter nonsense from previous providers, whats the the point of paying so much every month only to have nothing done when you need it the most? <br> <br> I will definitely be shopping around for other service providers as i do not think that Virgin can live up to what they advertise or claim! <br> <br> its now 2 days since and still nothing has happened, all i am ever told when i call is someone will come either today or tomorrow, this is totally pathetic and unacceptable from VIRGIN!