I would not touch homeserve with someone else's bargepole. They weren't helpful to my mother (London) and were the only company who caused me trouble when my husband died. All I wanted to do was to change the monthly payment from his account, which was frozen by the bank, to my account. Everybody else dealt with me over the phone, accepted the change only asking for sight of a death certificate in due course and confirmed that the account would not be affected if a payment was missed. Homecare refused to even discuss it until they had received a death certificate and would not confirm that the account would be unnaffected or even that I could take it over. When I asked to speak to someone senior I was told that it wasn't necessary as I would get the same answer.