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@Dammit
From speaking to people who have used EandL they are hugely unwilling to actually ever pay out.
Also when and if they do pay out it is seldom the amount you expected.
They were stricken from the list of possibles early on.
Balki- did you tell Direct Line that you were in an "unconventional relationship" with your housemates?
I think this is the only way that I am going to be able to get insurance- claim multiple partners.