Absolutely useless

So on 26 April I logged a claim against a garage motor that stopped working. 11th May a team came out to inspect it (which was a total of 1 minute, and just looking at the motor). Took them 1 month to establish its a "Power Surge" and obviously reject the claim, because Ooba is useless and doesn't cover power surges... After I told them its not power, because the light etc. works, I would need to pay someone to inspect and give a second opinion, only then will they look at the dispute. Long story short. I downloaded a manual online for the door opener, reseated the limiter plug on the rail, and door works perfectly again. Took me 2 minutes. Why couldn't their "Qualified service provider" not pick this up?? They would rather just say its broken and needs to be replaced so they get paid. I am cancelling this policy, and would advise anyone who hasn't moved yet, do the same. I would literally pay anyone else for insurance at the moment.