I have just found that there is a blocked drain at my home, the main outlet to the public sewer, with raw sewage gathering in the garden. The local water board were very helpful and tried to clear it at no charge but, because the blockage is on my property, could do no more. I was not too concerned because I had a MORE TH>N (part of RSA) Home Insurance policy, for both contents and buildings cover, and also including something called Home Emergency Assistance. The wording of the policy describing what is covered by Home Emergency Assistance left me in no doubt that this situation would be covered and I confidently called MORE TH>N. I was then told by MORE TH>N that this situation would not be covered, the reasons being that there was no damage to the inside of the property and no risk to health and safety etc. Given that the nature of the blockage is that all the drains in and around the house appear to be backed up with gurgling noises are coming from the downstairs sink drains and toilet, it sounds to me as if it is highly likely that sewage will start to come into the house through these. Yet, I was told, this is not considered an emergency! It was suggested that if something changes and damage results that I call back! Essentially, I was on my own. How is that for customer care? On the basis that this situation is not covered, I feel that I have been misled into buying this insurance policy. I have just looked at some of the other reviews of this company. I wish I had looked before taking out the policy! Be warned. This is not a company I would ever do business with again. I have awarded 1 star because it wasn't possible to give no stars....but that is what they truly deserve.