Without a doubt the biggest mistake I have ever made was to take out Home Insurance with this mob. Had a small leak...reported it on Wednesday. Plumber set round. Wouldn't touch it in case there was asbestos. Told me that it needed an Asbestos test and that he would talk to his company about it ( Metroplumb). Never heard a thing back so contacted Saga again. Passed from pillar to post. Eventually spoke to Axa Home emergency. They sent another plumber from a company called FixIf round. Guy said he could fix the leak but couldn't touch the celing because it needed an Asbestos test. I said I knew and thought that is what he had come to do. No ...so I contacted Saga again....passed from pillar to post again. Ended uptalking to the Co-op whowere very stand offish and simly regarded the whole affair as not their problem. Back to Saga...passed on to Axa who said I wasn't covered for an asbestos test. Back to Saga. Closed for the weekend. Friday night now....leak not fixed...water now coming down the light fittings and into the main fuse box. Saga not interested...Axa say I am not covered and need to arrange own asbestos test! You couldn't make this up. Dealing with this lot could not be more difficult! Meanwhile a minor leak has now grown into a major emergency. Do yourselves a favour....Do NOT even consider taking out a home insurance policy with this lot. They are not cheap but their service is. I cannot wait for this policy to expire. I will NEVER deal with them again...I shall cancelmy motor policy too. Without a doubt the WORST insurance company I have ever had to deal with. I had to give one star...there is no box for zero stars . I wouldn't even give them that....minus 5 would be my preferred score. Absolutely useless.....the WORST.