Do not buy with dial direct I’ll tell you why. Been with them for 2 years or more now, and in my policy it says it covers the escape of water etc It was reviewed by their insurance guys who come out, first came out and said it was the sealant and grout even though I done it about 10 times & got professional plumbers in too do it aswell. Still denied. Complained again they sent out another insurance inspector, and he said roof needs skimed down stairs , wooden floor because of the water, need to get it all fixed etc seen the videos and pictures and knows we’re covered in escaped water all nicey nicey to your face and then declines it. We asked why and they said it’s through “axa” so we asked axa and they said it’s not through them it’s through dial direct. Nobody willing to take the blame and we’re left in a limbo. Then axa had the cheek to turn around and say we will give you a £75 gift card for your trouble and hassle etc. £75 they can shove that up their ass for all we care, this is going to cost at least £2000 or more. This house isn’t too old only like 5 years brand new when we moved in & first time buyers may I add too. What a terrible experience from them, they don’t want to know when you have a problem. And to make things worse I need a back operation and that shower was easy for me to get washed. Now it’s a hassle to get into and out of the bath. AVOID like the plague.