This is a terrible insurer. They have left my mother 74 yrs with half a kitchen , taken £450 excess premium and completed no work to trace a leak which is 3m away from any external wall . They charged extra for the trace cover and have tried on every occasion to decline the very first claim made on this policy in over 10 years. Its very simple to take a floor up and check the pipes for a slow leak. But no, they took the kitchen apart unnecessarily, sent a consultant to check the walls to write a report saying there's water but don't know from where 'it could be rainwater' - Really? 3 metres from any external wall and showing as a wet patch on a wall in the middle of two semi detached houses! Denying the claim and not finding a reason for water ingress. . This is a dreadfully poor insurer avoid using them unless you want to pay for stress, headache and cost of a valueless policy providing a 'painfull' cover at the worst of times. insurance is w