Had small crack in silicone seal around my shower .over a period of time it brought down the ceiling in the garage and straight into the boiler after waiting 32 minutes to get through to be told they had no one to handle my claim ant they would ring back the next morning which they duly did.i was then told that it was my responsibility to check and would decline my claim.to top it all off the claim advisor then asked if he could do anything else to help what a whopper. Advise to anyone wanting home insurance to look elsewhere . Worst supplier I have ever used