I've had two problems with my house since I signed up for higos insurance. I've found out to my horror that initially you are pleased as their prices are very good.only when you get a problem they fob you off and dont pay. There are so many things that invalidate your policy. All normal stuff that other companies include. Please read the small print.

Higos cancelled my property and contents renewal with the existing insurer, saying they could no longer offer terms with them, proposing instead a patchwork of providers, under an unknown umbrella name, at 20% price increase, for poorer cover. They gave less than 10 days' notice before the renewal was due. If I had been away from home my property would have been uninsured. Calling to ask why, I was told that Higos directors had decided to cease doing business with my previous insurer (one of the biggest in the market), preferring their home-grown product. Higos offered no alternative and no justification for the price increase and reduction in cover. The existing insurer continues to offer the existing product despite Higos saying it was unavailable so I've renewed direct with the existing insurer for a much smaller increase. Higos has lost my custom, the commission they earned on my business and my good opinion. As a 9-year customer of a high value product I expected better, much better.

Outstanding service nothing to fault on this company

My policy was set up by an agent over 8 years ago and I have been a loyal customer ever since. I have never made a claim and allowed my policy to renew, year on year. When it came to cancelling the policy however, Higos don't care how long you have been with them. Their fees for cancelling are astronomical!! The actual insurance provider was fair but when Higos had added on a cancellation fee of £50 and their loss of commission of nearly £25, it leaves a severe dent in the pocket. Staff just quote terms and conditions and don't take loyalty into consideration at all. Beware if you don't intend to sell your house at your insurance renewal date (for their convenience) as you will receive a nasty bill at the most inconvenient time. I will never use this company again.