They rejected a claim for my Garage at my home, firstly they said it was because the foundations were not as deep as the house and when I questioned this, telling them that they were in fact deeper, they had a re-think and said that it was because it was not attached to the House. I asked if this was normal and they said yes, all house building insurance are the same. I called the Financial Services Ombudsman and they said that was complete nonsense and they even offered to contact Privilege. When I phoned Privilege back and told them what the FSO had told me, they had a sudden change of heart and set up a claim. I found them to be less than honest and tried to dissuade me from making a claim. You buy cheap and you truly get a cheap service from these people.