The cover is just home insurance with the normal extensions.
Some marketing kid has put a cycling spin on it.
He was probably tasked with it on a Monday did nothing all week then decided to do it on a Friday at 2pm, made the numbers up thinking only saddo's would question them.
Then went out with his mates.
You could spent the next year complaining and maybe get an excuse or apoligy .
I would suggest you make a formal specific complaint in writing. Give them a chance to resolve your complaint satisfactory or escalate the matter to the financial ombudsman. A complaint lodged with the ombudsman costs the company a minimum of £500 quid, so they will usually resolve in you favour if it costs less.
They have, of course made a couple of mllion in extra premiums from people who are not as aware anyway.