We have had a home insurance policy with rias for many years. Unfortunately we had a burst pipe in our bathroom which has caused considerable damage to carpets, floors and ceilings. We were told today that we have to pay an excess of £250 for each thing that's damaged totalling £700 !!!! It's absolutely disgusting. Will not advise anyone to take out insurance with yourselves. It's been extremely stressful a day you've not been very helpful at all.