Utterly appalling! Don't waste your money with this company. They are hopeless at communicating with their customers and the company they use to carry out repairs try at every turn to wriggle out of their obligations. They took down a wall mounted 65" tv (bought for nearly £1000) and smashed it beyond repair. Their response? "We're not responsible. Read the small print in your contract." And then blamed ME for the breakage! They offered £100 "as a gesture of goodwill." The cheque was returned to them with the appropriate covering letter. The cherry on the top was one of their operatives told my partner to "F*** off" (a long story) but anyone who swears at the people who are paying his wages isn't welcome at our home. It took them more than 8 MONTHS to initially attend the damage to our property! Honestly, avoid anything to do with JL Insurance. When we raised a complaint they said we didn't have a case. We dumped the company and have self financed the remaining repairs. And the private contractors we engaged fixed everything within a couple of weeks and to perfection.