Do not use for home insurance... We had a new boiler filled, in a freak storm water came in through the flu and flooded the boiler and our house. The loss adjuster claimed poor workman ship and argued about paying out. We had poto's and footage of the flood in action. He was not intrested. 3 months later we are still out of pocket. Our floor has been damaged from the flood water as had the ceiling. Luckily while we were still decorating from the boiler being fitted. The plumber came out. Our own and showed us the gas valve full of water. The fan had burnt out as had the circuit board. Not economical to repair, due to the extensive water damage. Loss adjuster just took damp readings saying this is historical damp. Not flood damage.. seriously we have a brand new boiler why would be making a claim for the damage to the house and boiler. The helpline only open Mon - Fri 9-5 no communication. I had to chase and chase for updates. Appalling service. Feel completely let down had to use own savings to get hot water and heating back up and running. Our plumber even spoke to the Co op to explain the damage caused. Don't waste your money on this company for insurance. Everything is toouch trouble very disappointed in the lack of customer service from the cooperative. Formal complaint going to head office.