this company is appalling they told me i had to pay an automatic £650.00 excess when any water leakage is involved, i had a leak from the hot water pipe under the bath, and they didn't want to know, i was also told that they do not cover any plumbing costs only water damage to carpets or tiles, when i complained this was not mentioned on taking out the policy or any policy documents, i was informed that they are only a small risk insurance company, no mention of this on any paperwork either. i paid for the repair myself which cost £150.00 but because i made a call to the claims department, even though i closed the claim down with out making any claim to this or any other company it is known as a call of interest and wiped out all my no claims protection, so please think very closely and check policy expert out yourself , as my insurance policy isn't worth the paper it is written on,