I have had John Lewis 'Premier Select' cover for 5 years. We were burgled 4 years ago and John Lewis Insurance was amazing, money was in our bank account 2 days later. HOWEVER since then they seemed to have changed their provider to RSA. On Saturday morning we had no central heating so called John Lewis insurance as our cover includes home emergency. Somebody came out within 2 hours and got the central heating working - brilliant. We then realised we had no hot water so called them back and they said we needed a new valve and this was a common problem. By 4pm Monday I still hadn't heard back from them and when I called was told they were just waiting to book the engineer. 10.30am Tuesday still heard nothing so called again and was told that a part has been ordered and may take 3 days! The issue seems to be that the agreement John Lewis have with their Home Emergency contractors is a 3 working day turnaround - so not really emergency cover at all. I would have been better calling a heating engineer myself on Monday morning as it now means we are likely to be without hot water for at least 5 days!! To my mind this insurance is just a very expensive con and I will not be renewing it!