Its when you make a claim you find out. I have claimed on my home insurance with them in the past and it was a dream but this time, absolute mess. I can deal with slow, complex processes but when I am actually being lied to? That is the low benchmark am I not happy to limbo under. A verification service they used told me payment was held up until item returned, fine, ok, but actually no, this was not the case. A collection company went bankrupt and I was still told they were going to call me. I phone up to complain and all is sorry we will sort it out and payment will be made in 48 hours. Nope nothing, apparently a finance director is away in some 3rd party company they use. Are they ill? On holiday? They don't know, who could possibly know, it is simply unknowable. Oh, and I went with Premium Home insurance because I didn't want to have any problems when things go wrong.