Policy Expert sent me my renewal details, and I contacted them to understand why the price had gone up from last year. I had done a price comparision and explained to the lady who took my call - what I had been offred. She patiently went through the cover and we compared the policies. She was able to reduce my renewal by £14 - however the clincher was the home emergency cover - which allows for 2 claims per year with no excess payment - should you have a home emergency. This is offred free of charge and could prove a life saver as I have two young children at home and getting a qualified plumber out in an emergency would be costly and hellish to arrange. So very happy with cover and price now!