I had a terrible experience with Davies-group (home protect insurance). After my bicycle was stolen, I reported it promptly. Instead of updating me directly, they sent an email asking me to call them, only to inform me that my claim was declined without justification. They didn't request any evidence and were more focused on discouraging my claim by threatening a policy increase. Olivia Burton will intimidate you and prevent you from proceeding with a legitimate claim, as they will not pay out for the claim I believe that's their internal policy as per reviews from customers and previous employees. The claim handler was rude and insisted that my replacement bike must be under £1500 and the price can't be discounted, which is not stated in the policy. Even after I provided proof of forced entry and UK-based replacement bike links within the specified amount, my claim was denied again. They also misrepresented policy terms, unfairly categorizing necessary components as accessories. Their conduct was unprofessional, and they seemed determined to avoid a payout. I do not recommend Home Protect Insurance. Avoid at all costs. In my opinion, you will be better off without insurance as saving the money in premiums will compensate for future losses.