Worthless Home Insurance !. The legal guard section is underwritten AM Trust and the claims handlers Arc Legal who are owned by them. They decline claims despite WHICH and two solicitors saying the policy should cover our claim. The Arc Legal claims handlers are not legal or insurance experienced but an ex labourer and welding supervisor, Tesco don't want to know even though its their policy and sold to us as a 5 star Defaqto policy. They say we have to deal with the underwriters claims handlers. Its a total nightmare. AM Trust have been involved in a Massive scandal in 2020 involving the Securities and Exchange Commission in the US and have had to pay out millions. Insurance Company and Former CFO Charged With Faulty Loss Reserves Disclosures Defendants to Pay $10.5 Million to Settle SEC Charges. Google ARC Legal and the reviews. There are hundreds negative reviews of ARC Legal and AM Trust and the reviews say they just disallow claims as standard practice. WHICH have said they have received many complaints and their journalists are investigating ARC Legal. Dont ever ever buy Tesco Home insurance !