I been with Halifax house insurance about about a year put in a claim lost box of belonging when moveing home made ever excuse not to pay out when I add this level of cover a box off stuff got lost so I rang up they said I should have been watching the van at all times and because their was no damage to the van it was not covered with I told them it was lost not stolen then they told me I should have used a removal company to move with I think this company is a joke I would avoid hailfax no good I paid never miss a payment and when I moved they dobbled in price I still carryed on with them very disappointed in this company