We've had a home insurance policy for the past year or so and recently had an issue with our plumbing, called the insurance for the first time and they sent a plumber out (we had to pay a £100 call out fee for this). The plumber reported back that as we have lead pipework, any work involving replacement is not covered by our premium as per the terms and conditions. We thought "ok, fair enough" and employed an independent plumber to look at the problem for us, and we subsequently cancelled our insurance policy as we thought it was actually a bit of a waste of money.
Anyways, turns out that our independent plumber has confirmed that actually there is no lead pipework present whatsoever, meaning the insurance company lied and managed to get away without having to pay or fix the problem (which may be quite costly). As we no longer have a policy with them, they won't get involved so I've said I want a full refund for the farce of a policy we paid for and the call out fee?? What would you do??