Two bad experiences is two too many, and that's exactly what we experienced with AXA home insurance. First involved the loss of a ring, which involved long and unpleasant conversations with AXA before receiving the payment which was clearly due to us, the second concerned a claim for storm damage to a fence which one part of the policy says it covers and another says it doesn't. Deliberate or not, it's a sneaky business practice which confirms my view that AXA insurance is not worth having. I have lodged a complaint, but with very little hope of receiving an honest response.