Before taking out buildings insurance with AXA check that you are 100% sure what your drains are made of. If they are made of pitch fibre they WILL NOT BE COVERED by AXA which we have found to our cost. How you are supposed to know the composition of drains buried underground is beyond me but if in doubt don't use AXA. It's buried in the small print so be sure to check. You can check with them if you have any chance of getting through to them on the phone. I've spent over two hours on hold to them over the past two days and am currently 22 minutes on a hold trying to sort out another element of our claim which they have sent the wrong person to deal with. There must be better home insurance companies out there than this.