Hi I took out a policy with Dial A Rod for my property portfolio and was given assurances by their telesales, sales rep at a property show and a friend of mine had used them, well what a big mistake, completely un-professional & very rude staff, all they are interested in is taking your money, well a little tip, if you pay by direct debit, under the direct debit rules, they, Dial A Rod, should send you a schedule of date and amount of payments they will be taking before they start taking payments, but D A R being un-professional didn't so you can claim under the indemity liability from your bank and you will get back all your money within 48 business hours. Cheers & hope the above works for you, I now use British Gas