I have been insured with Halifax for the last 10 years and never had to make a claim. When I originally took the policy I paid £500 per year and have paid the same for this period of time. I don’t live in a detached, I live in a 3 bed terrace however, I trusted that I was with a reputable company and I would be given a good service and value for money. I called them last week to report my roof was leaking after the bad storms they told me I would have to pay an additional £350 excess up front until they determined whether the leek was due to wear and tear. I was very unhappy about this as I didn’t have £350 immediately available. I was fuming about this as my roof was leaking badly. I put the phone down and immediately asked my Son to look for alternative insurance, Only to be horrified that top of the list for the same cover costing only £117 was Halifax I asked him to fully check the details, and these were correct. I called them straight away to complain. They told me I was right with what I had found however it was up to myself to review the costs and not them I’ve over paid £3600 over 10 years and would of continued to do so for another 10 should I have not made the call. These so called big companies are a total rip off to the vulnerable people such as myself. I will be copying this to Martin Lewiss and all other web sites to highlight the fact it’s not the street leaders or loan sharks we need to be aware of but the people you automatically would trust Please make sure your not making the same mistake we have done Chris Leeds