DISGUSTING - I contacted the Halifax regarding a leak due to a cracked connector on one of the bath tapes which resulted in water spraying to the wall and dripping to the bathroom chipboard floor underneath the bath. The leak was realised when I noticed a patch of water on the garage sealing and saturated wall blocks on the Friday and a Gas Engineer repaired the problem that afternoon. I contacted the Halifax on the following Tuesday morning and could not believe how I was spoken to and what I was being told! It appears that your are basically not insured for anything related to water escape, I asked what the policy covered and was told it was on an individual basis and she would not quote any detail, I was informed straight away that the claim was declined, patronised, made to feel like a criminal and even got dictated to by what sounded like quite a young person, advising me that I must take more care to maintain and protect my home! (As I have lived in my home for 32 years and unfortunately could not find my crystal ball that day to predict the leak, I did think to myself whilst being educated by this young girl of my responsibilities, that she probably does not even have her own home and probably lives with her responsible parents, therefore she has NO RESPONSIBILITIES!) Having been put on hold three times during the 53 minute farcical call, she VERY reluctantly and because of my request, agreed to pass my claim on to the company they use to assess the claim. Within the hour I received a call from the Assessor requesting an email of all photo's and a full explanation of the incident. The next morning the Assessor called me and advised me that my claim had been declined. Here we go again, another farcical telephone call.... He told me that in HIS OPINION the leak had occurred several months ago, even though I had told him it had occurred 6 days ago and assured him that prior to that Friday, there was NO wet areas in my garage...FACT! He then went on to say in HIS OPINION the ceiling looked new (not sure why this would be relevant)...WRONG AGAIN, the garage ceiling was done 13 years ago when I had the extension built! He then commented on the fact that the ceiling had not been painted! (again, not sure why this would be relevant) as I didn't think it was an offence not to paint a garage ceiling! Anyway, despite several pointless attempts to assure him that the leak occurred 6 days ago (TRUTH) and him being adamant that it occurred months prior (OPINION), I explained to him that both of us could not be wrong, therefore he was basically calling me a liar? He repeated that I could contest the decision ( hahahaha).. I replied to him "What's the point", to me there was no point as the BIG MAN with the POWER has decided NO...IN HIS OPINION!!! Oh by the way his name is JEREMY, just in case you may find yourself having to be informed of HIS OPINION, the expert! I have since cancelled the policy, which I had for several years and was paying approximately £500 pa. Halifax policies are not worth the paper they are written on. Having read some other reviews it's obvious that the goalposts get moved to suit, anything to avoid paying out and it's CRIMINAL. It's shocking that they are allowed to get away with these tactics. I will also be cancelling my Halifax Bank Account shortly and will never have anything to do with the Halifax again. So so unfair and WRONG!