Having insurance is a necessary item we need to have with a hope that we never ever have to actually use it. Well after many years of careful house ownership I had to call on my insurer Hastings Direct. I discovered a crack in one of my walls and feared I had subsidence. I contacted Hastings right away but they just were not interested ...their excuse that they don't actually insure me , one of their underwriters do but they didn't know who that was! After many calls and being passed from pillar to post i managed to find out who my insurer was. The company they had used "Get out and run brothers inc" were as much use again. They passed me on to loss assessors who after many months came and had a look and said yep it's subsidence. These guys then put together a quote of the work without actually doing a full survey. The work they detailed equated to some paint wallpaper and to patch up some plaster. This is with major cracks appearing through the building. Then after another long wait an engineer came to do boreholes and check drains and water. This was 6 weeks ago. I have not been contacted by Hastings or the insurer at all to explain what is going on. So if I was you I really would avoid they have let be down beyond comprehension.