The advisor was supposed to be calling back with further details and failed to do so. The other advisor with whom I spoke provided different, contradictory information about the same policy. I then had to provide all the details about my (rented) house all over again, for some reason, even though I had provided this last year and nothing had changed. I had to take time out of work to sort it all out because of the failure to call me back when I was available. Then, despite explaining that I am moving house in a fortnight's time, I was not allowed to build this into my policy now and will have to pay another £40 admin fee for the privilege of having to go through the whole process again when I move. The advisor was not able to answer my queries about my insurance in plain, comprehensible English, although from what I did understand it seems that I'm probably not insured for the things that particularly matter to me, i.e. my musical instruments, which I will now have to insure separately or just take the risk of having them uninsured.