My advice is to look at reviews of those who need to submit a claim. I'm about 8 weeks into a claim for water damage for a leak. Basically without going into long detail they offered me a pay out which I declined until I got a contractors price. This was nearly 50% more than what I was offered. They began requesting a comprehensive breakdown of what work the contractor was going to do. I pointed out to them the contractor had listed the price of every job their surveyor said needed doing. The person handling the claim said this wasn't acceptable and they wanted the cost of materials (mastic, nails, wood, paint ect). They then said they would send their own contractor but wouldn't tell me who or where they were from. Essentially my claim is still unresolved. I have only had to put in one claim before in 25 years of home ownership and that was with Axa. They dealt with my claim swifty and paid out without asking for numerous resubmissions of quotes. The moral is you get what you pay for. I'll be looking for a new home insurer in the future.