We’ve used Linda Rowland for over 20 years and always been impressed and had cause to make a claim,that was until a few months ago when we had an issue with our property ( can’t give details ) anyway our Spanish neighbour said no problems house insurance will cover that, so we contacted LR who very swiftly said under paragraph blah subsection 321da, clause 59f that it wasn’t covered and was very sorry, now on my uk policy I checked same item and it would be covered, the lesson learnt is all that’s shiny is not gold.