[Dottore]

I use them.

They're very good.

Worth the extra if you think you may need them.

HOWEVER if you have two or three claims with them, they will drop you like a hot potato.

The important thing to appreciate here is that all home insurers are linked to a central information exchange. If you have had one or two claims, your insurer will note this in the information exchange. And Chubb is pretty well at the top of the food chain here.

Point being, if you're insured with Chubb and actually have a couple of claims, they will drop you. And it's going to be damn difficult to find anyone else who'll insure you in their place.