JL is great as a store or insurer if you lose a watch, but woe betide anyone who has a major claim. My parents home had a fire in July, RSA was appointed with Elipta as the loss adjuster. Now in late October and the only thing that's been done is the contents have been removed and a bad clean up carried out. The fire damaged stairs, walls floors are still as they were in July. My Father who is 80 years old was told to chase the builder who promised to be there 7 weeks ago. After finding my father on the phone with the builder shouting at him I contacted Which, I only hope Which recognise they are recommending a 'CON' JL are the front for an incompetent RSA Both my parents are now ill, the house is still in complete disarray. If I call JL customer service I get put through to the RSA (Royal Sun Alliance) JL will not communicate with me about the situation as the RSA handle all queries!! DO NOT USE JL home insurance, YOUR HEALTH DEPENDS ON IT. WHICH please recognise all the Bad Bad reviews that are on-line.