I switched to John lewis Home insurance in 2013 and been with them eversince without making a claim paying almost 380/year premium cover. Up until october 2015 never had any problems but when my boiler brokedown, had to call home emergency which took 2 days to reply but finally sent someone to have a look. Boiler was serviced regularly n was in good condition (only 5 years old). Two contractors came to fix it but in a little while I realized they had no idea what they were doing but I never said anything as I was desperate to have things fixed. After 3 hours of chating n wasting time, they said you have to have a power flush done before we can do anything. I called home emergency n was told it wasnt covered by insurance. Just to check how things were, I called a local certified boiler technician and was told the problem had nothing to do with power flush and they can fix it for less than 500 pound. Since my boiler cover mentions 1500 worth of fixing things, I had no choice but to get the power flush done. Once done, I contacted John Lewis Home emergency and notified its been done so please come and fix it. After 2 days, they replied that they've deemed our boiler Beyond economical repair without even looking at things. When asked, Home emergency customer service rejected to provide details as to why it was so expensive when only pump was suppose to be replaced. 4 months I kept fighting my case and finally had to get things done myself. I've cancelled home insurance with John lewis and will never recommend anyone to go through the same experience. John Lewis customer service is probably the worse when it comes to settling claims. Too many small prints and as long as you don't make a claim, they're happy to take your money but rejects to fix things when required. Aweful company, aweful customer service, I'd rather stay without insurance then going with John lewis! This is an honest review, please feel free to ask if you have questions.