Prudential were our home insurance cover when our neighbours house flooded through into ours. We where told that to start our repair work on house we would have to pay our £350 policy excess of water damage but reassured we would get this money back on completion, the lied! At the end of the work which I must say was quick and to a good standard they sent out a patronising letter saying we weren't due our excess back after further investigation due to our response time on the day of the incident even though neighbours had admitted full fault?? A pathetic excuse. They basically had us over a barrel as the court fees would be too high to pursue with the risk of loosing a massive loop hole in the insurance system :( God knows how many people they have conned through this method... obviously we did not renew and have no respect or faith for this company no more.