Had landlord insurance for the past year, not good service. I wanted to add a 3rd property to the policy, but told they couldn't add one, I had to take out a new policy, which at first was more expensive than the other policy with 2 flats on it! Then when I made a claim for storm damage, they classed it as wear and tear and refused to pay out. When I removed one flat from the 2-flat policy, as I now have full building common insurance through a factor, they said that their policy isn't to issue any refunds if it is less than £25! (I fought this and have been told I will get my £19 refund now) Then they said that for any future amendments, there is a £40 admin fee to do so!!! I will revert back to Direct Line in future!