Corgi homeplan cover - avoid at all costs

I’ve been with Corgi since Nov 2017. I had one call out in March 2018 during the “beast from the East” bad weather. I called Corgi and they couldn’t send someone until the following day. In the meantime I looked online and saw that my frozen external pipe could be sorted by pouring boiling water from the kettle on it a few times. This solved the problem. The engineer came the next day and said that I’d done the correct thing and then signed off the job as though he’d solved the problem.
Fast forward to Dec 2018 and 1 month into my renewal for the second year, and the pressure keeps dropping. I called Corgi again and an engineer came within 48 hours. He tried to refill the system but the pressure gauge needle wasn’t moving. He then decided this was due to a blockage somewhere in the boiler possibly sludge. As soon as he reported back to Corgi they said I wasn’t covered so they wouldn’t authorise any repairs. However they said if I get an independent engineer to prove it’s not sludge they will refund the costs involved.
So I did that and sent them documents which proved it was a cracked pump (causing a leak and hence pressure drop) and a faulty pressure gauge, definitely NO sludge. They are now refusing to refund all the costs saying that I was only supposed to get a diagnosis of work needed not get the repairs done. I also tried to cancel my policy with them but they said it would cost me £173 just to cancel because I’ve had two call outs since joining them in Nov 2017! Looks like I’m stuck with them until Nov 2019 but Ive escalated my complaint to get all of my expenses refunded because the work that was done should have been covered by my policy.

I have Corgi Home boiler breakdown cover which I took out in 3/11/2019. In around 10th December we started having problem with our boiler. As it got colder we turned up the boiler temperature setting, but when we did this we found the boiler lost pressure overnight and the following morning the boiler turned itself off as the pressure fell below the required to work.

We topped up the water to that required and got it working, but shortly again the pressure dropped again. We found by keeping the temperature down the boiler would keep working but this was not warm enough for the home. Therefore, I contacted Corgi. They did not come for 3 days. The engineer found the expansion tank was at fault, but as it was Sunday, as everywhere was closed he said he would have to come back the following day morning around 9.30am to replace it.

We waited all morning, but he did not arrive. I phoned Corgi to find out. Corgi are very poor in communications. Their telephone lines are jammed and I have been asked to wait in a que of 12 – 15 people throughout this problem, which I would say is ridiculous. Giving up on this method I turned to the online web chat where I was told they were not going to repair my boiler as it was an existing fault. After a lot of begging and pleading telling them it was not as we were not aware and had just happened when we had to increase the temperature. They finally agreed to send another engineer out who told us that this problem could happen at any time and cannot be predicted.

After his report corgi decided to make repairs, but the second engineer had reported 3 parts to be replaced. The expansion tank, the fan which he said was abnormally noisy and I think a small hose or something, not sure.

Corgi told me as the claim was within first 3 months of the policy they only covered for first £300. The total for the claim was £379.80 or so and I was asked to pay the extra £79. I was not aware of this, but paid just to get the job done.

However, Corgi arranged for a Glow worm engineer to call out as this would be the boiler company engineer and more economical. Finally after a week from the first phone call the engineer came out and replaced the expansion tank and 2 hoses, but not the fan. He said the fan was noisy because there was a small piece of polythene or something in the end of the flue outside and he would not replace a part costing over £100 just for the sake of it. He also showed me some black dirt bits he had cleaned out pf the boiler and told me the flue was not cemented in and the collar of the flue at the wall had screws missing which needed to be put right.

However, we noticed that that the shower which runs from the boiler went cold during shower. When I called to complain about this Corgi told me the flue had to be fixed as per the engineers findings and the system had to be flushed also from all the dirty particles before they would come out. I was very disappointed but said I would get this done and contact them once it was done. I then asked if I could get a refund of the £80 I had to pay as the fan which cost around £100 was not replaced and so the overall cost must now fall below their £300, but they refused.
They will not call out until the system has been flushed and thats going to cost too much, but even after that, by the sound of things they may not still come out. Seems a waste of time and money. Looking at the number of complaints here is there nothing that can be done. Surely Corgi cannot get away with this.

Please can you help me and let me know if how they are dealing with me is right.