If you are thinking of taking out a Building and Contents insurance you have already decided that the chance of your insurer paying out on a claim might marginally be better than the risk of some misfortunate striking your property. You must also be presuming that any disaster event is going to be curtailed to fit within the narrow prescribed limits this insurer defines or your robber is a complaint robber who chooses to work within the narrow limits again defined by your insurer. Having agreed with all that you then will have not problem to totally agreeing with each aspect of the frequently repeated script which ensures your assenting to exclude all other considerations. If you are like me you are left seriously worried that should some misadventure strike rather than being covered for the unexpected you will left with hassle, argument and without cover because life has chosen to hit you in a way that your insurer has written escape clauses to exclude. Having said that Policy Expert is no worse than others, just don't expect to be covered for anything more than the most narrow and routine of incidents when you have been a scrupulous diligent occupier without a seconds lapse of attention. They are beyond reproach and we are the victims in both circumstances.