Horrendous customer service. We took out what seemed to be a comprehensive home insurance policy. We have attempted to make two claims. We were covered for both scenarios. The first time we were told to go to the expense of fixing the problem ourselves and then they might reimburse us. The second time, they refused to pay for a fridge/freezer which was damaged when the power went out in our home because nobody could confirm it in a report, even though it was impossible for this to happen unless they were there at the time. Absolute cowboys who will use any loophole to fail to provide the service they have signed up to provide. STAY AWAY FROM THESE COWBOYS!!!