Liars. I bought their platinum household policy after having been assured that it would cover any damage to the household, including showers, boiler, and washing machine. The pump on my shower broke. I called the claims line. The very helpful customer service chap took all my details, assured me that I was covered, and told me that an engineer would call within the hour to make an appointment. So far so good, can't ask for better than that, I thought. Twenty minutes later I got a call. Same customer service rep calling to tell me that his supervisor had decided my claim was invalid as even though my shower was broken, no dispute, that fact that I still had hot water in other parts of the house meant that my claim was invalid. This, mind you, after I had already spent 30 minutes talking to the rep who had told me the computer had accepted my claim as valid. The rep told me he was sorry and that he couldn't understand why my claim had been turned down. I immediately phoned the policy service line and cancelled my policy. The rep there couldn't believe I'd been refused on such a prima-facie claim either. Once again, the Platinum Policy claims to cover all household emergencies. Now I am several hundred pounds out of pocket over what turns out to be a useless insurance policy and will be several more hundred pounds out of pocket after hiring a plumber to fix a shower which I'd already been assured was covered by my Platinum policy. Avoid these thieves and liars like the plague!