Absolutely disgusted with Marks + Spencer home ins. Been with for 10 + yrs. never claimed on expensive policy. Now find excess has doubled to £200. Claiming for loss of pendant when chain broke worth £495, so total claim is worth £300! Put through to Alaa in Aviva who took details. Then phoned back by an agent at Hallmark. Told “ it is in my interest” to get a receipt (gift 3 years ago!) I have box and chain. I explained that I thought it ridiculous waist of time for £300. Explained that I go on holiday in 2 days. Son who bought it is working away. Outrageously ridiculous waste of time. Told I could refuse but that will affect claim and they will still want receipt at some point, so claim won’t proceed without it. Now I have to find Jewellers phone number and waste their time too. For the sake of £300!!! If this is what it’s like for £300 I hate to think what it would be like for a large claim. I will be looking for a new insurance company. This site will only allow average rating or above. I would score 0