People on telephone very helpful and pleasant. However last year my policy was with Axa through One Call, and their assessor decided, that when my kitchen sink flooded, only one side of a kitchen built as a adjoining right angle flooded. Initially they tried to say the damage on one of the adjoining walls was due to the kitchen roof leaking, then, when I, my surveyor and the builders disputed this and the builders sent the Assessor up on the roof he had to admit he was wrong, They have tried to blame superficial outside cracks in the outside wall wrongly claiming that the water pools were in the place of these cracks. I, my surveyor and the builders disputed this, they have also claimed that one side of the adjoining wall was damaged due to rising damp. I, my surveyor and the builders disputed this and have supplied written and photographic evidence that there are no sign of rising damp. I have referred the matter to the Ombudsman. Both Axa and One Call know of this and that my family and I have had prolonged symptoms that the mould is adversely affecting our health. This they also know, this is backed up from our G.P. I advise anyone not to use any policy with Axa they have jumped at the opportunity to use varying untrue excuses to not pay for half the damage. If you are unfortunate enough to have to make a claim and an assessor from Cuningham Lindsey is sent record the meeting. I told he regularly says one thing to your face and another to the insurance, and that my experience is not uncommon even in a small island like Guensey.