All insurance is good until you make a claim, then you find out how worthless John Lewis insurance is. Don't believe what their Customer Services people tell you. Query everything before you sign up, and get the answers in writing. When you get them you will find that in many areas this insurance isn't what it appears. One tends to trust the John Lewis name, however the Financial Services Ombudsman tell me that it's not really John Lewis, but an outfit called UKAIS Ltd, using the John Lewis name. Don't make the mistake I did. Place your insurance elsewhere.