Whatever you do don’t go near Halifax buildings and contents insurance. I made my first claim this morning ever. I was flooded out by my neighbour upstairs due to a blocked down pipe, the water went up into his partially blocked sink and came down into my bedroom. I had to phone the fire brigade to gain access to his flat-because he was on holiday. My bedroom, ceiling, carpets and lighting were soaked. I had no electricity all weekend. Because I had never made a claim I had a clause in my insurance which included any excess would be waivered amongst others “flood”. I was informed that I would be liable for £500 excess as I didn't have a flood it was an “escape of water”Also to top it off my premium would go up next year. I think this is one for RIp off Britain. 32 years I have been with Halifax buildings and Contents They pretend to reward you for not claiming then play with words so that you end up the loser. Tell me what is the difference between a flood and an escape of water. My bedroom was flooded out from upstairs. My ceiling might be ready to fall down and Halifax never even offered to send someone out to inspect it when I asked. I was told to source my own tradesman. A case of they take your premium over a 32year period and when push comes to shove they punish you financially Be very careful when you take out Halifax Building and contents it’s not what it seems. I am retired and can not afford extra expense