If I could give less than one star... If I could give less than one star I would. This will teach me to keep looking for cheap insurance providers (house insurance). Their 'tag line' is "Reimagining Claims" - I can only say that in my experience that 'reimagining' must be synonymous with being creative with the way in which they understand the English language and they way they twist it within their reinterpretation of the terms of your policy. It must also include taking as long as possible to let you know that they are not going to pay the claim especially in circumstances where the repair was critical and I could not wait. Having incurred damage early September 2020 it has taken the Davies group until 14 March 2021 - months after the repair was put into place at a cost to me of almost £1,000 - for them to say they are sorry - I note other comments about politeness but when they are keeping your money why wouldn't they be polite. I had made a detailed claim and then provided a detailed follow up identifying their errors and missing documents that had been relied upon by Davies but never provided to me. Instead of responding to these details it simply apologises and reasserts that I am wrong. My advise - avoid like the plague. Pay a few pounds more and save yourself the distress of dealing with a company determined to avoid a pay out.