I would give Legal and Genarel no star at all . My home insurance policy comes with Home Emergence service which means if I don’t have hot water in my house they should repair my hot water system. They refused to do so stating it’s part of my responsibility to maintain. My hot water system is basically a water tank which is heated by emerssion electric heater or element and nothing to be maintained . After dispute over the phone they eventually send a plumber who said the heating element is croded and it is not covered in the policy. This isn’t the first time I tried to make a claim . In February 2017 I made a claim for storm damage to my property, a tree knocked part of my boundary wall which is part of the building. They refused to honour my claim so I made a claim through court and received part of the claim. This company is not easy when it comes to make a legitimate claim that you are entitled to . Now I have decided I had enough so cancelled my policy with them and would not recommend them to anyone.