Did not get insurance from these people, I made a claim in 2013 they have not paid me for lots of items that was took from the break in. Then they made me wait over 2 years before they paid me a little bit of money. In the policy it says they must replace items as new. Legal & General gave me money to buy 2nd hand stuff it was no were near enough to what I'd had stolen, very bad customer service they even tried to say I didn't pay my policy, I had had though. This was there way to get out of trying to paying me, but i dint give up as i knrw i was in the right.please don't be gullible like myself run and find a different policy holder, I wouldn't recommend these to any 1 there a disgrace there a rip off and thus is how they make there money.