Warning: Do not buy John Lewis insurance. We have Essential Cover John Lewis Home Insurance and Emergency Cover. We have a leak from shower trickling to the kitchen when we shower. They do NOT cover the leak because it's a mechanical fault. They'll be delighted to 'make good' the ceiling after we've fixed the job at our own expense. That's what our premiums are paying for! The many customer service people we spoke to are not at all helpful. 'You are insured, you aren't insured, we're shocked we can't help you etc!' They are underwritten by two companies CET and RSA. Initially it was passed to the wrong company. The left hand does not know what the right hand is doing. It turns out both companies are just as useless. We have no means to shower for a week because of this fault. John Lewis do NOT cover alternative accommodation in this instance. When you see excess of £250 on your policy for water leak you automatically assume you're covered for the remaining balance. When you see alternative accommodation of £10,000 on your policy you automatically assume you're covered for this. Apparently not. READ YOUR SMALL PRINT. You really are covered for VERY LITTLE WITH JOHN LEWIS HOME INSURANCE. HOWEVER, if I broke the pipe by accident they would have paid for everything. This is why honest customers get 'shafted'!!