Very unhappy indeed with Policy Expert. Never claimed in my life, been with Policy Expert 2 years. Wettest and windiest winter in decades, I had some water ingress, possibly from the chimney. I rang up and they told me Sorry, we can't do a thing, we won't do a thing ! I said, Excuse me ??? No Sir, sounds like your house needs maintenance, not our problem....... They even said, Oh, you haven't had high winds in your area over 35mph for 12 months .That was utter tosh given the winter and storms all across the country. Then they said, If you can get a builder in ( at my own expense ) and he will state you've had winds over 58 mph, we may review our decision . No they won't because they will once again quote their lie, that we've not had winds over 35 mph, and I live up in the hills. We've had several gales this year 60/70mph. Don't waste your money with this company. They absolutely don't want to know. Kevin Savage Avvrington, Lancs.