I bought the policy online, for a competitive price. It’s features suited me best out of what was available. However, I found some of the many caveats could prove extremely frustrating. For example, ‘Accidental Damage Cover’ doesn’t cover accidental damage to certain items in certain conditions, or restrictions on how the contents cover amount is made up in the event of a claim - only X% can be valuables that don’t need to be individually named. It’s so irritating, especially when I know that the total value of my possessions should fall well within the total sum insured. It’s just another example of insurance companies trying to restrict payouts. I really hope that I never need to use this insurance.