Avoid like the plague ... I set up policy with 0 excess only to find when made a claim they wanted 75.00 first excess before sending a engineer out, saying due to age if boiler surely when I set up policy someone should have advised me. Never rec policy dic andvtild sent via email then when rang again they said they did not have my email address. An engineer did come out same day but left from a boiler that was not working properly to having no heating and no hot water rang customer services only to be told that it has been passed to there tech dept and there is no number to be able to chase up . What!!! Was told would have to wait as she could not tell me anything . I am still waiting ... Without water and heating . I have children . will def be cancelling as no one knows what they are doing. AVOID..!!