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but if you had made a claim they would have still held it against you for a non commercial insurance policy we can no doubt be assured i have had a saying in life that Michael Caine taught me many years ago and it still holds true "if they haven't got you one way they've got you another way" Alfie...

My experience.Our company had an expensive trade policy with Aviva going back to the distant past when it had been called several other names.It always specifically stated my name and that I was covered for social and domestic and we never made a claim.When I retired they said I had to start again and donkey’s years no claims meant nothing. As we had paid out a fortune in premiums over the years plus we have several other policies with Aviva ,an argument ensued and I took it to the Ombudsman…..who agreed with Aviva.