Before Xmas I had to claim on my home emergency cover (no hot water). When I claimed I was advised that element of my policy was provided by axa. After 2 weeks of ineptitude from axa, during which heating engineers failed to turn up, I found my own company to do the repairs. During this period I requested the co-op to chase this up as my insurance premium had been paid to them and not to axa. Not unreasonably I expected them to take some ownership in resolving the situation. Whilst I spoke to some pleasant people at the co-op, they all ultimately passed the buck to axa. What they failed to grasp was I purchased EMERGENCY cover. Would I recommend? Definitely not!