You don't realise you have no cover until you go to claim. I paid for the most expensive cover to be told my radiators weren't covered and you had to have a full central heating breakdown!! Not what was advertised at all. I immediately cancelled and no refund will be given as I didn't cancel within 14 days. As I say you assume you are covered. There also appears to be no governing body for this company and I am unable to take it further. Stay away!