An utterly toxic disgrace from start to finish - except that, SEVEN WEEKS after registering my claim, it is not finished. Having written 1 March for payment of outstanding VAT I have resent the same email around 16 times, and had not one reply as of 5pm 15 March. And, having been a huge fan of Waitrose in previous years, it is staggering and tragic to see how quickly a once loved British institution has been dragged into the gutter. Absymal phone queues with drivel about 'exceptionally high call volumes' (AKA chronic understaffing; something is not exceptional if it happens all the time), and incompetence and wasted time at almost every single stage of this process. If you suffer home damage, expect JL Insurance to be by far the most stressful and toxic part of the whole experience. In a sane country, a company with 1.7 of 5 for its last years near 400 reviews would simply not be allowed to keep trading. If possible, I would rate as minus 1. Avoid like the plague.