I started to apply online but phoned them when the quote for Building and Contents insurance seemed too good to be true. They confirmed the online quote after going through it with me so l paid there and then. Had great difficulties finding my docs online but when I did I discovered the declaration of facts was totally wrong with regards to our flat roof. Called on a Saturday to advised and was told they would change info and it was me who suggested it may affect premium. Monday was a holiday so they agreed to phone on Tues morning before we left for months holiday. Two hours before leaving we were advised that they couldn't cover us. On return had protracted communication with the CEO and they did refund premium and add a small amount for inconvenience. My wife was the person who took out policy with me as an ' add on' but they insisted on addressing correspondence to me and that did not go down well. It is an outdated institution with badly trained staff. I will never consider doing any business with them again.