Put in a claim to Halifax Insurance for my conservatory roof , which according to their policy includes every eventuallity. That is every eventuality except the one in which you claim for. .After numerous phone calls surveyor turns up. Spends most of his time on the phone checking prices for his car tyres and various other car bits. To cut along story short Halifax declined to pay out as the damage to roof was not in there list of accidentental damages. Wrote several emails and eventually got a reply just stating the same that they would not pay out. I complained about surveyors behaviour that he spent most of the time on the phone making personal calls which for one his mind wasn't on the job and two it is very bad manners to make phone calls whilst on buisness in someones home. Apparently Halifax don't agree and say they can do this. I have since cancelled my insurance and gone elsewhere. I am now saving over £300pm with another much better company.