We have silver star home insurance including boiler and plumbing cover. We had a leak flooding the bathroom, so I made a claim. Because the leaking pipe wasn't visible because it was boxed in,I was told that accessibility was also an issue and therefore I would have to go through the home insurance division. The division said that the excess would be £650.00 to fix the leak! We're in our 80s and this caused us a great deal of stress. How can you impose such a ridiculously high excess? In comparison my £10,000 car has an acceptable £300 excess. Although I cancelled the claim, you sent me an email to say the claim was going ahead. Unbelievable.