Very dissappointed with this service had full cover and accidental damage cover for home plus contents. However even before i made a claim i was told my premiums would go up, did i want to go ahead. Yes the storm with 70 miles an hour wind had blown a wall down. Sent Surveyor called maximum 10minutes. Heard from the company no it was anything but the storm. However my premiums will be affected because they had sent a surveyor out. It didnt seems to matter that i also had accidental damage. I feel the policy is not worth the paper its written on. I will NOT be using this firm again.