Water though our kitchen ceiling after prolonged rainfall & wind (told wind speed wasn’t high enough for storm damage!) which was caused by a leak from our balcony. Surveyor who came to check it certainly seemed to agree it was storm damaged but then we were told by Policy (non) Expert that it was wear & tear. Unfortunately we don’t have the ability to see through the balcony & wall to maintain this! We disputed this and after a short correspondence Policy (non) Expert stopped communicating. According to online information they only payout on 50-60% of claims, this is extremely low! They also have poor reviews for similar claims on Martins Money Tips & GMTV. As far as I am concerned it is completely pointless buying insurance from these people as I’m completely confused as to how anyone can check through bricks & mortar! They are cheap insurance but not worth the paper it’s written on, never again!