Just a recommendation for any of you who have cats or dogs. I've just had a claim settled within 5 days for some accidental damage caused by the dog to a carpet and sofa. I know loads of people with animals who have found themselves not covered for this type of damage on their home policy. Apparently not many insurers still cover pet damage. I'm with M&S, they weren't the cheapest but they weren't the most expensive either and their cover and service is excellent. I phoned last Friday, had the inspector come out on Tuesday and received the settlement today. 
