Time to renew my policy. I have had no contact with them at all since taking it out last year as there are no claims. The renewal price is over £250 for a standard buildings and contents policy, whereas I have purchased an all-singing, all-dancing, everything covered, legal/emergency cover, lower excesses and higher allowances, more specified items of higher value for 20% less than the renewal price quoted. Go elsewhere - they are NOT the cheapest, just the crap'est. They call several times a day and do not speak when you answer, they email and send letters requesting you contact them, but I don't want to be hanging on for half an hour, so I am letting the policy lapse, far more convenient and quicker to input all the details on a new quote!