I received a letter telling me that I had a new insurance policy with Homecare that I knew nothing about. It is free - so long as I remember to cancel next year. Otherwise they charge me £96. I didn’t ask for it and don’t need it since it doesn’t cover underfloor heating, which we have. The letter telling me about this arrived after the 14 day cooling off period had expired. They won’t answer the phone except in “emergencies” and the chat function doesn’t work presumably because it’s swamped with complaints. The assumption of contract is not only unacceptable but illegal.