I only resent took out n admiral platinum home insurance policy which you assume would be desent. I woke up this morning to water coming into my kitchen from the bathroom which was coming through my lighting. Rang for emergency plumber who came out in a timely fashion. I would say that the plumber was lack lustre to say the least and was here about five minutes before he said he couldn’t do anything due to the bathroom pipes being behind tiles. He said that he was not allowed to touch anything and said it was a no access so I had to go back to my insurers. Sorry for going on but I’m bloody fuming. I rang back to be told that the insurance would pay for my plumber to remove the tiles however the excess was £150 and any damage caused by the water leak would be a further £350, basically what is the point in having the insurance. I will soon be cancelling my insurance but the only time you need it, not covered unless I pay for my own plumber and £500 exceeds. Joke