[Belindanan]

I had bother with Hiscox too when claiming for a £5k bike that went for a walk. The loss adjusters comment was "who has a 5 grand bike?". Me, obviously, since I have the receipt and have insured it for that you penis. I had also over-insured my contents and valuables at the time since I was renting and they had a minimum cover level, but I had to fight them tooth and nail for a full pay-out.

I've been with Aviva for buildings and contents for a couple of years now. I originally ported my Hiscox policy and upped it to buildings too, but the equivalent Aviva cover is about half the price I was paying for contents before my claim. I haven't made a claim with them yet though so can't comment on this process.