The worst insurance company I have dealt with ever. All they do is try to get out of claims by quoting their terms and conditions. The exclusions for the policy are not made clear on their website and just buried in the terms. There so called "resolution" was to send me a letter clearly marking out the terms and conditions, no actual resolution. I am not sure how you can class that as a resolution to be honest. Had my boiler written off as beyond economical repair. The first person I had out from HomeServe said it was absolutely fine then because the issue wasn't resolved I had someone out a month later who said the boiler was crumbling apart and need most the parts replacing. Clearly half the people they employ are incompetent, I had no apology for this, seemed like this was pretty normal for them. And they charged me to tell me my boiler was beyond economical repair, still yet to refund my excess charge which is only supposed to be charged if they fix it, I guess I will have to keep chasing for this. My policy was to cover my boiler they've charged me monthly for it and provided NOTHING apart from useless incompetent people coming round to my house and for someone to tell me its BER.