Well if you want the best cover I suggest you go to British Gas, their top cover is actually brilliant and covers for just about everything, it will cost you about £600 a year and if you can afford that great. I would rather have the basic cover so if in the worse case scenario I need a plumber its costs me £60 and thats that. Weather related incidents are covered by your home insurance anyway, I imagine you can spend £1000's on a super policy to cover that :)
Not sure on this. I’m no expert but the terms state that you can’t claim if anything is caused by ‘weather or freezing’ which is why I need cover in the first place! Also, I’m not sure how this website works, but the hottest deal would/should not be the cheapest - but a deal with best cover should.