record of all your communications with your insurer if there are any problems or disputes relating to your claim. Responses (9) I think this is an A1 guide! I have held "E-Sure" contents and buildings insurance for 18 months, paying 200 (approx) annually, having cancelled another that requested 530 (approx) annually just for contents. I asked about a freezer failure claim, and as Martin states, full photographic evidence is best. As the excess was 100, and total value 200 or so, I did not claim. As the agent stated, my premiums will rise . The agent rightly said that this insurance is "for big things" as Martin's picture reminds us. Thank you, Martin! Be very careful if you do take out Insurance through a third party on behalf of the insurance company, I have just been flooded out and when I tried to claim the Insurerer stated they are not paying out as i had not declared previous claims (which I had to the 3rd party but they didn't pass it on to the Insurance company because they knew I would be turned down under the 3 strikes rule of the Insurance company and they would not get their fee for all the work they did. I can not name the companies involved because I am in the process of taking the case to the ombudsman and if necessary to small claims court because of the Lies they have been told. I have lost thousands of pounds all because someone