Very expensive and will find any reason to not process your claim. Aviva Home Insurance through Santander. The service was beyond terrible. If there was an excuse for an excuse they would take it to avoid helping me with a claim. I bought a house 2 years ago. An 100 year old house at that. My landing ceiling fell in after several months of looking fairly sketchy. I rang to ask if they would assist in the repairs even with a high excess but they said if the ceiling wasn't brought down by wind, fire or water they would not help. We were paying nearly £40 a month like a mug for what we thought was possibly the most comprehensive policy but sadly £40 seems to be their very basic package. AVOID!