Our boilerstopped working 3 weeks ago!! We have insurance with Homeserve called"Home emergency" via Churchill insurance. We contacted Homeserve whosent out an engineer, and reported that the heater exchange needed to berepaired. Homeserve reported that the engineer also said the flu was not at thecorrect angle so the claim would be void as there had been water damage to theboiler although the engineer, inform us it was the heater exchange was thecause. We were advised by Homeserve the flu had to be resolved before theywould deal with the claim. There was no issue with the flu, pointing in thecorrect position, but we made sure to be on the safe side. We contacted themagain and they would now get an engineer to resolve the boiler. Homeserve wouldget there 3rd party engineer to call us back in 2 hours, but nothing. We calledback the next day they said we are still trying to find an enginner and wouldcall back, 2 days went by and no call back. The policy only covers up to £500and apparently the call out fee for the engineer was £150!! Now our policy willonly cover £350. Spoke to them last Tuesday to see what was going on and againthey still trying find an engineer, its now Saturday and had no communicationfrom them. Called again this morning and a manager will now call us back by13:00...lets see what happens. 3 weekswithout hot water, Homeserve constantly trying to get out having to pay for theclaim. No communication. Appalling service, don't just take my word for itGoogle "Homeserve complaints" there everywhere.

I recently purchased a new phone with a new contract, which came with the pretty standard 1st month insurance free. As most consumers would, I wanted to take advantage of the free month but then shop around to find a better policy (in this case my bank). So I didn't forget to cancel the policy I rang the premierplan just over a week into the policy (who Dial a Phone had put me with) and told them I wish to cancel the payment for the end of the month. I was then unfortunate enough to have to claim for the 1st time ever on insurance a few days later after my phone was stolen. I reported this to the police and then contacted the company to find their policy is when you ring in to cancel it starts with immediate effect. I wasn't told this over the phone originally and although it makes sense as I havn't paid them a penny that it would be unfair to them, but at the same time they gave me a month free which I am still very much within. Although I assume the lesson here is cancel the the free insurance at the last possible moment, I can't see why I still don't have that free month that came with the contact I signed. Does anybody know of any ground I have to stand on with them or had a similar situation and won? They have said they will listen to the call I made to cancel, but will only pay out if the call operator stated I was still insured to the end of the month... but doesn't matter if she didn't need to say it was with immediate effect though.