I'll chime in with my own Tower sob story from a few months back - apparently if your carpet is glued to the floor, it's covered by the policy, if it's tacked it counted as a chattel (and not covered).
I am (yet another) person on this thread who will not be signing a renewal with Tower next year.
Nothing out of the ordinary there, in fact it seems one of the mouth-frothers now has their own blog on stuff. Maybe they ran a competition.
A rather sad total of 22 min, 29 seconds of actual news items in a one-hour bulletin.