Paid my £15/month; was then charged £60 excess for an engineer callout to be told that a defunct hot water heat exchanger would not be replaced because the engineer assessed that the problem had been caused by sludge in my system - all my radiators work perfectly from top to very bottom and the system was last fully drained and reprotected 4 years ago but Corgi wouldn't budge on their refusal to cover me. Scheisters - expect them to seek a wriggle-out clause for any claim that you might make. Having read Corgi's reply I can only state that my system does not have a sludge problem - their engineer did not examine my system beyond taking a sample of water from the front of the pump with his fingertip and finding it to be discoloured - he did not examine any of the radiators or pipework to seek substantive evidence of sludge buildup (which he would not have found) - that is insufficient examination to make any professional assessment. But, on the basis of this inadequate assessment, Corgi have sent me an email stating that they will not give me further full cover unless I provide documentary proof of a professional powerflush - such a powerflush would cost several hundred pounds and could easily cause damage to my system that would cost a great deal of money to repair, beyond being completely unnecessary. This is a shameful and indefensible stance for Corgi to take, and to be charged £60 for an engineer callout only to be told that the engineer will not carry out the required work is thoroughly disreputable - furthermore, when I told them that the policy is now worthless to me they stated that, should I wish to cancel it, there will be an "administration" charge approximately equal to the remainder of the 12 months payments! Further and, hopefully last, comment on this. As a result of the last two paragraphs Corgi customer service contacted me (they told me that the reason for the contact was this review). They appeared sympathetic to my arguement and offered for a different engineer to attend - I accepted this offer. The engineer has now contacted me and advised me that his visit is not to investigate and resolve my problem - his instructions are to do no more than take a water sample and send it for analysis; should that analysis reveal the presence of any contaminant, e.g. limescale or iron oxide, then my claim would still be refused. He also explained that the sample would be taken NOT from my system but from the heat exchanger SUPPLY side - he was clear in his belief that the breakdown was not caused by system sludge but by limescale in the water supply! When I put it to him that, in the area in which I live (hardest water in the UK), these contaminants will most certainly be present, he agreed. He also didn't take issue with my analysis that, whilst his visit was clearly intended to seek evidence to support Corgi's stance on this matter, it would not lead to any resolution of the problem. I have now cancelled his visit and hope to have nothing further to do with Corgi - ever. And my advice to you, dear readers, is that, unless your water supply is comprised solely of pure water containing zero trace elements, any money paid to this company for boiler insurance will be wasted money.