I have been with them since 2006 and coincidentally was sectioned to a mental hospital the last time I considered changing a couple of years ago. I have paid between £45 and £65 for mainly compulsory building cover (I'm a leaseholder). I have mainly made claims for lost keys when they are covered, although for instance the last time I claimed a neighbour phoned for me - I'd lost my phone as well as my keys - and they said they would cover it and after a wait of a few hours someone came and later as I was told on the phone I was charged £25 excess. The next day or so I managed to find one piece of paper I'd received from them that happened to be the schedule and I saw that although I'd had missing key coverage the year before now I didn't have it. So, first of all, why not? Second, why wasn't I more aware of this - even though I appeared to have the schedule, I otherwise receive very little or nothing in the way of information from them either by post or by email. So, for instance, my policy renews in February automatically but I have no idea what it will include this year. If I had a letter from them I don't remember and have had no email notification - perhaps they have an old email address? Apart from keys I once got a handle on a window fixed and then tried to get a soffit fixed but was told I had already claimed too much with the window. My main complaint is the lack of information. No letters either I get from anyone these days have official stamps on them.

i have had a burst water pipe at home,the damage has been minimal,saisburys home insurance are quick and easy to deal with, the damage is to the laminate flooring in my living room,and the cushioned floor in my kitchen, initialy, they told me i had a £70 excess, allso that both would be covered on my buildings insurance,they said i would lose 10 pc of my no claims bonus,i have 30 pc on both,then on a second call, they said the cushioned flooring was on the buildings, because it was glued down and cant be removed, and the laminate is click lock and can be removed rendering it a content, i believe it is so i lose 10 pc of buildings and contents, allso, they have now told me i have to pay the £70 excess and an additional £250 because it is water damage, i will be complaining and it is ongoing, i dont want to give too bad a review as yet, as it has only been a couple of days,ill try tokeep you informed..saisburys home insurance