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@andyp
I haven't a policy with Greenbee but did talk to them about their policy details when they were doing a promo in my local Waitrose. It sounds promising, i.e. they pay out in cash not vouchers, and I'll give them a call when it's home insurance renewal time in the new year. Hiscox won't insure us as our house is at risk of flooding according to the Environment Agency. Which sucks as after floods in the area in the fifties, flood defences were built and have never been breached.