Kwik fit brokers insured me through Towergate I paid for the emergency cover which couldn’t provide emergency cover when it was needed. During the early hours of the morning on Saturday 21st November 2015, gales blew down my TV aerial and tiles from my roof along with several of my neighbour’s aerials on the same street. I phoned in a claim and was told I had emergency cover, they tried to get a company to make temporary fix to prevent further damage. After several days of chasing I managed to speak with someone from Towergate who asked me to scan and email my policy to progress my claim. I was then contacted by Imperial who told me I would need to erect scaffolding to allow the damage assessor access to the roof, at my own cost and I would get it back if the claim was validated, if not validated I would have to stand the cost, approx. £1000 The assessor finally arrived on Wednesday 2nd December 2015 and allegedly looked from a ladder and decided that the damage was caused by wear and tear of the aerial cable, so no claim. I asked whether the aerial would have fallen had there not been a gale that night but he refused to comment. I now have to wait for a letter stating that the claim isn’t valid, then I am allowed to have the work done at my own cost. I asked what of any damage while waiting for the letter and apparently that would be my fault. Not happy with the company Kwik Fit (brokers) allocated me and I’m very unhappy with Towergate as an insurer. I renewed my policy a months ago, which means I am tied into a contract for the remainder of the year. I will not be staying with Kwik Fit or Towergate. D Hebden.