I thought that the service would be good and although more expensive worth it. STOP. Don't make this mistake. I made a claim and the service was horrible. Multiple calls each time they said they hadn't received the information or we had submitted on an apple product and it had to be resent. This was true as the iPad had been amongst the products stolen !! Finally you get through to an outsourced claims management company who can give you their proposed replacements if you send cash for the excess. Personally I had already bought a laptop for my daughters studies during the 6 week wait. Worst insurance experience I have had . Shame on you John Lewis. Matt