On two separate occasions I have tried to claim on the Halifax home insurance silver policy. Once for pest removal and was told they don't cover those kinds of pests, once for a leak, but they don't cover those kinds of leaks because they are of the opinion it's from wear and tear without so much as someone looking at it. Will probably cancel my policy and go with a new insurer.
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It is named after the town of Halifax, West Yorkshire where it was founded as a building society in 1853.