IF YOU WANT TO THROUGH YOUR MONEY AWAY THEN INSURE YOUR PROPERTY WITH ,AXA. AFTER PAYING THE INSURANCE PREMIUM FOR NEARLY 20 YEARS, MY PROPERTY SUFFERED A SETTLEMENT BY THE GABLE WALL. PHONED THEM UP AND AFTER MAKING OVER TEN CALLS THEY SAID THAT THE PROPERTY WAS NOT INSURED. SENT DOCUMENTS BY RECORDED DELIVERY TO PROVE THAT THE PROPERTY WAS INSURED. aFTER MAKING MORE PHONE CALLS ON EXPENSIVE CALL RATES THEY SAID THEY COULD NOT LOCATE THE DOCUMENTS SENT. EVENTUALLY, THEY FOUND IT AND THEY USED EVRY TRICK IN THE BOOK NOT TO PAY. THEY INITIALLY SAID THAT THE SETTLEMENT MUST HAVE BEEN CAUSED BEFORE I TOOK THE INSURANCE BUT WHEN SURVEYORS REPORT PRODUCED TO SAY THAT IT HAD NO SETTLEMENT AT THE TIME OF PURCHASE THEN THEY BLAMED BAD WORKMANSHIP WHEN ADDITIONAL WORK WAS CARRIED OUT. I HAD TO HIRE A STRUCTURAL ENGINEER TO SAY THAT THE CAUSE OF SETTLEMENT WAS BROKEN SEWER PIPE CAUSED BY TREE ROOTS, THEY SAID THERE WAS NO TREE IN THE VICINITY. I HAD TO USE GOOGLE IMAGES TO SAY THAT THERE WAS A 30FT TREE NEARBY IN 2012 AND THEY NEVER ANSWERED MY PHONE CALLS, EMAILS OR CORRESPONDENCES BY RECORDED DELIVERY. I INITIATED LEGAL CLAIM BUT I WAS BULLIED BY THEIR SOLICITORS BY SAYING IF I LOOSE I HAVE TO PAY THEIR 75,000 POUNDS LEGAL FEES. I COULD NOT RISK THAT AND I GAVE UP. COMPLETE WASTE OF PREMIUM PAID FOR 20 YEARS.