we have just spent the last 2 months dealing with this companys loss adjusters who have been nothing but a waste of time were asked for 2 quotes we got them ,oh too expensive got them another quote done by myself ,no to expensive all the quotes were + vat after numerous telephone calls and couple of emails they said the qs in there company has said the works should be 4986.31 . because the loss adjusters had messed us about so much not returning calls or emails on my final conversation with them i was so frustrated and worn down by them i accepted there costings so i can get on and get the works done. the next day after excepting the offer she now wants a vat receipt as her offer included vat .never once mentioned to me. if you ever claim from this insurer i recommend you get your own loss adjuster who will know how too deal with people like this and save you the stress and will cost companys more