I agree wholeheartedly with KAC's comments about Homeserve.
They sell their insurance product on the basis of peace-of-mind: if you have policy and have a problem, one call will get it sorted.
Phooey!
In my two years of experience with Homeserve I would say that if you have the misfortune of needing to call them they will first try anything and everything to find a reason why your problem is not covered. We had their premier policy where theoretically most everything is covered: they send you a schematic showing your house and try to explain with different colours what is and isn't covered. I have a BSc and I couldn't figure out the drawing.
I found their staff t to be generally ill-humoured, and their desire to use their "approved" contractors (essentially, in our opinion, people who will work for them on the cheap) results in the arrival of folks who simply don't know what they're doing.
We didn't have full hot water (it was intermittent, and never really hot --- it was tepid) for several months. They sent an assortment of people who had no idea what they were doing. In the end they sent someone from Luton (we're in Worcestershire). He said he'd need to replace the entire pressurised hot water cylinder. Homeserve agreed to pay for this --- I think largely to stop what had become my constant complaining.
The replacement did not go as planned, and the contractor made numerous mistakes. I finally hired our own heating/plumbing contractor (recommended by our architect) and he found numerous mistakes in the Homeserve installation. Once repaired the hot water worked again. Homeserve then argued about paying our contractor's bill, but finally did so.
Homeserve has now discovered, when doing their annual boiler inspection, that the gas pressure at the boiler is too low. Pressure is fine at the gas meter, too low at the boiler. The boiler is three feet (maximum) away from the boiler. They initially said that the pipe must be too "small," but the boiler has been there since the early 1990's and has been inspected by Homeserve before without any problems. I can't see how the pipe could have mysteriously contracted. I have gone through the usual complaint procedures, and they have insisted this isn't covered. But they're sending me £50 for my "trouble."
I said thank you to the £50, and said I wanted to also please cancel my policy. There is no peace-of-mind (in our experience) in dealing with Homeserve. In our experience Homeserve is a nasty, small-minded company designed to happily take your money by direct debit --- but try anything to escape sending out a qualified repair person if there's a problem.