exterminator: I will be contacting the Financial Ombudsman tomorrow, raising a complaint with Barclays and getting some form of compensation.
That may be a problem, if the cover is a, 'service contract' rather than a 'insurance policy', the FOS may respond by explaining this subject does not fall within their jurisdiction.
That is quite a good general point which certainly applies to "boiler breakdown" cover provided by the types of big names you recommend (though I think I recall a recent thread which revealled British Gas? was changing to FSA (and FOS) jurisdiction).
The Barclays Home SOS Terms and Conditions confirms that complaints fall within FOS jurisdiction.
So may not be a problem after all.
A quick Google reveals examples of poor performance typical of these organisations, but interestingly a £100 compensation payment offered.