I actually just posted this to some-asking about renewing a policy on another post about 25 minutes ago!!
"make sure you actually read the small print of any insurance that you take out. I have just spent the last 45 minutes trying to get through to my insurance company. I tried to make a claim last year in october as when the heavy rain was falling it managed to seep through my roof and did a lot of damage to my ceilings ( as they are just plasterboard). They decided that it wasn't storm damage and it was wear and tear! They refused my claim for the roof and also the damage inside. Some-one told me that I should at least try to claim for the accidental damaged caused by the leak (which amount to about £1000).
They have now told me that there is a clause in my accidental insurance that says that contents are not covered if it is caused by water seeping into the building!!. I wouldn't mind but i have had building and contents insurance for the last 35 years and I have never made a claim from any company!
So please be careful and do read the small print"
Funny enough the company was BISL Ltd bought through the Post Office!! My renewal is up on the 8th March. After they refused to pay my claim I told them to cancel my renewal. She said she couldn't and that I would have to ring the Post Office again. So I rang and told them to cancel my renewal and that if they must not take the money from my debit card.
So we will see what happens next!