I got an insurance quote before we offered and bought the property to check there were no issues. When we knew our completion date I phoned up to purchase. It took on average 40mins on hold every time I phoned. This time I was asked some extra questions and told the underwriters would need to agree cover. I the had the most awful 3+ hours of waiting. We wouldn’t have bought the property if we thought insurance would be a problem. I had to chase numerous times before hearing it was ok by email. So I then had to phone and hind on for ages to get to someone and pay! I still have t had my M&S vouchers, neither has the person who recommended you.