After a leak in my kitchen,I had to chase them to get a figure for repairs and the compensation for wasting my time . ( Not turning up after I had taken time off work for their surveyor to come round) Then found out that they only cover items damaged so, if like me the tiles and cupboards are no longer made, you either have to pay not only the very high excess for water damage but also for replacing items so your kitchen matches. I had not made a claim on my household insurance for over 25 years and hope I never have to again, it has been a horrible experience