If I could give minus 1000000 I would. Emergency cover purchased and never filed a claim in my life with any insurance company. The first time is needed it due to bad weather causing a leak in my roof they rejected the claim due to claiming it was wear and tear. The 3rd party company they used came round but wouldn’t go on the roof to check anything- wouldn’t even look through the loft. It took them forever to get back to me around the issue and I had to constantly chase them for any update- finally got an update that due to needing scaffolding the cost for the repair was too high- they knew when taking my money I lived in a townhouse😳 logged a complaint about it and they took 2 months to get back to me and say the same thing. If I can stop just one person from wasting their money I will be more than happy. They are the worst company I have ever dealt with in my life- I hope they go bust!!!