Have read thru many many posts but not come across this so far ... Today my wife had an intesting conversation with BH .. over the DLC .. she was "informed" that to make a claim again the DLC she wil have to pay a £100 excess ... so not only is she paying heavily over the odds for a single item insurance thats as flimsly as an old silk blouse but that there is also an exorbitant excess on it .. something that was never mentioned at the time of taking the policy out .. although they were fast enough to say our home insurance wouldnt cover the item .... is this legal of them or just another avoidance tactic from these high street cowboys