Have been insured for 30 years+ at various properties and when insured through esure home insurance. Encountered a leak through kitchen ceiling from the bathroom. Esure sent a surveyor from BVS who were total liars said to us on day happy to repair but downplayed the amount of damage once we obtained quotes used various excuses ie hiuse not occupied,failed sealant, plumber who has quoted is not reliable, damp shows pre existing(which turned out to be breach of dpc) they are total liars and failed to quote. Took 18 months with the ombudsman and proved that they didn't even remove the bath panel at the minimum to check area of leak yet made so many fabricated accusations all which were proven to be lies. Complaint upheld by ombudsman and work completed having to pay myself initially. Do yourself a favour and avoid this fraud organisation who are happy to take payment but will not pay under any circumstance.