Having been a loyal customer with well over 11 years insurance cover ,recently had a need to contact and make a claim. Water pouring in through the roof which spread down two floors and penetrated through the windows in the lounge and bedroom. After a hellish 1 hour wait on hold to speak to an advisor was dismayed to be told that our location DID NOT have enough rain fall or wind speed in recent weeks according to their data for the location. I can very safely advise that living in SW Scotland the weather has been atrocious for the last 8 ish weeks. Another scam company who provide loop holes to escape from. Avoid this company,left an 88 year old woman confused and scared with no offer of assistance what's so ever. She had renewed her premium 8 weeks and one day previous and upon cancelling the policy they kept half the premium cost for 8 weeks of absolutely no protection. Avoid heartache and stress and find an alternative insurance company. Disgraceful display of greed at its worst.