First dealt with 'Fresh' when I was living in a flood area , although our house was not affected no other insurance firm were interested , except for enormous payments ! Fresh were so helpful and understanding and listened , that when we moved to a different house I made sure my insurance was with Fresh again . Always helpful and one can actually speak to a person on their phone . Luckily we haven't made a claim , but if we do I will be happy to let you know the outcome . Although I have great faith in them , easy people to deal with .