Having had buildings and contents insurance with Lloyd's Bank for years I took out a new higher level insurance last year after my husband passed away in order that I knew I would be covered in an emergency. I rang to make a claim giving full details and they sent someone out to be told my claim wasn't covered and I hadn't given correct details of the problem. Obviously the claims handler didn't note the details correctly. I am absolutely furious to be told its my problem and not theirs. I told them to listen to the recorded telephone call but no difference. I will never use this company again.