Something went very wrong with my septic tank. Policy expert and Catalyst Claims who they use left us with no services in the house for two weeks and never contacted us when they were supposed to EVER. They then came back and said. Based on the engineers ASSUMPTIONS as he couldn't see under ground. He thought that the installation MAY have been wrong 20 years ago but couldn't be sure although its good enough for them to deny the claim. I countered with what my engineer said. That the tractor that cut the grass although meant to be low ground pressure may have caused the damage which would be covered in accidental an (assumption but none the less no different to what they said). They countered with it wouldn't be covered as it happened over a period of time even though I explained one day it worked and the next it didn't therefore being covered in accidental. They refused saying it could be but you need evidence then trying to tell me when I challenged that they on their side had ruled on the basis of an assumption made it very clear they wouldn't pay on an assumption. No middle ground. Not even prepared to help. Told me. When you fix it. If you find we are wrong when you get deep enough take pictures and take it to our complaints. THEY are meant to investigate to ascertain if its covered under the insurance but know I can't live without services so they just roll the dice. Absolutely awful experience and id advise being very careful and read reviews prior to going with just any company on price comparison sites.