Rang their emergency line (we took out this add-on at a premium) following a leak from the bathroom (from behind the shower.) THREE days later (good job it wasn't an emergency as we had turned off the water supply) a guy turned up and surprise! surprise! said we weren't covered due to the usual 'wear and tear.' Because we had the temerity of actually investigating a claim our premium went up exponentially. Do not touch these people with a barge pole. Woeful nay risible! Shocking that they can get away with such subterfuge (particularly in the climate of PPI and the like.) As they say greed never learns its lesson.