-10 , They say you only know if your insurance is any good when you make a claim, we unfortunately had to, and its terrible. IF YOU HAVE JOHN LEWIS INS, CHANGE NOW, TODAY. So much has happened it would take too long, all of the other reviews, take them as True. Nearly 3 months after the flood, they decide to try and dry the house !! getting access into the floor they hit main heating pipes flooded another room. Had to employ a loss adjuster due to no information, and no help. Have know contacted a Dilapidations solicitor, because my legal protection that comes with the policy said " Sorry conflict of interests" My house has been decimated. We should start up a Face Book page of John Lewis Insurance VICTIMS !!