Beware they are cheap and easy to buy but absolutely rubbish!! Beware they are cheap and easy to buy but absolutely rubbish if you need any help with actual problems and the claims!! I called Policy Expert(home emergency cover) about our boiler loosing pressure and as a result there was no heating, an engineer from RIGHTIO turned up and said there could be a leak in the Central heating system, shown him the access to the foundation through hatch(he himself lifted a few screws opened the hatch with my agreement and signature in a waiver) and went in checked and showed a picture of a leak and said he fixed it(apparently with no tools), within a few hours of him leaving boiler started dropping pressure again!!! Deja vu made another call to home emergency cover this time we had no heating during the red weather alert, another engineer from WALKER GAS turned up once the red alert is over, said it could be the water in the expansion pump, and ensured pumping the water out should fix it. I was quite clear to him that boiler is dropping pressure even when it is not on and still he blamed it on the radiator or the pipes but he was reluctant to go under the foundation to check. He also refused to lift a few screws to gain access to the hatch and wanted me(a 28 weeks pregnant women) to gain him access, I had to call my neighbour in an absolute despair and once we opened the hatch, he went under the floors and emerged out within 3 minutes saying there is no leak in any of the accessible part of the house and if there is any it has to be either under the tiled WC or the further part of the house for one side of the radiator valve where he couldn’t access. Given we have 6 radiators downstairs and they are in 5 different rooms, I don’t think I could have walked that fast around the pipe works overground. But he was so sure that his fiddling with the expansion pump should have fixed the problem. Unfortunately same story again, he left and boiler pressure started dropping! I phoned the Policy Expert again, this time I was forward to a company called Trinity claims(not my insurer!!!) explained them the situation and asked what options I have, Trace and access was their advice with their preferred supplier ‘SOS’ this time and that comes with a £500 excess paid in advance to secure the visit from them(my policy access is only £250). For my question of 'What if they don’t find a leak' answer was 'oh we will refund you the money!!' Not very trustworthy(!) I was curious and enquired about what if there are multiple leaks or leaks in the inaccessible parts of the house, oh we have all the latest technology to find them all in one go(Oh do you?!). And enquired about fixing the leaks once they find them, the answer is we will just give your insurer the report and then there will be a plumber from their preferred supplier to fix them and if there is more than one leak it will apparently be a different claim for each one of them. And after all this if they missed a leak during the Trace and access that will entirely be a different claim and another £500 from my pocket and these shenanigans all over again. I was fed up at this point asked them Policy Expert(or Trinity) to pause the claim and called Worcester Bosch directly(who is our boiler manufacturer). A gas engineer visited from them the very next day, the first thing he did was isolated the radiators and checked the boiler out thoroughly and identified it was actually the boiler losing water through the condensate pipe which was down to a faulty heat exchanger rather than any leaks, all this was diagnosed well within an hour of him turning up. OMG! What a difference it makes when you have people who are qualified and experienced turn up!! Even though it cost me £300 and Policy expert is not going to cover any of that, I was glad that someone can find out what is exactly wrong rather than a whole load of ifs and buts and demand of money prior to them turning up. Moral of the story, don’t trust Policy Expert or their customer service assistants or their experts’ advice. Almost all of them are waste of your precious time and money…