having never made a claim in 40 years here is my story came back off holiday freezer not working contents ruined contacted legal and general grilled like criminal told that freezer would not hold 400£ worth of food had to get ruined food from dustbin 2 full bin liners read them prices they then offered to pay 78£ but warned premium wold go up told them to stuff claim ihave never claimed on insurance before WHAT A PERFORMANCE they will take your money but beware if you have to make a claim will not be renewing better off with no insurance than this cowboy company j rhodes chesterfield