Deal with this insurance Company at your peril I am 69 years old and had an electrical fault in which I woke up on Saturday 6th March with no electric and half my tropical fish dead. I immediately called an electrician who came out and after around two hours of testing found the fault and charged £245.00. I had forgotten I had emergency insurance and looked through my folder this morning (16th March) and found I did have insurance and so I called the customer help number at 9am dead on. At 9:43 they answered and confirmed that I was still insured and that I could make a retrospective claim. I was put through to the claims department and was immediately refused because I did not call them first and it was pointed out to me that I should have read the booklet. (I forgotten that I had emergency insurance)..... No questions was asked have you got an invoice? Can you prove by way of bank statement or transfer that you paid this amount and are genuine?.....NO, just a straight NO, you cannot claim!!!! In other words, the company was saying, "if we can get out of paying we will". So, I have cancelled my insurance with immediate effect and when speaking to the customer service rep she enquired "what will you do in the future if you need help"? I answered, "exactly what I have just done....PAY FOR IT MYSELF", and added you will loose in the long run, you will not be getting anymore premiums and have lost my custom. I have never ever claimed anything in my life before and now I know that the reputation of insurance companies is true, THEY ARE SHARKS WHO JUST WANT YOUR MONEY AND WRIGGLE LIKE WORMS ON A HOOK TO GET OUT OF PAYING.