We have premium cover, my boiler broke down which is a combi so provides heating and hot water. Home emergency came the following day. Didn't repair it but said they would have to do a report. After five phone calls from me to them, I was told that the repair had to be authorised, this takes three days, then order the parts a further two and then allocated an engineer. This is working days, does not include weekends. So in total I would be without any heating or hot water in sub zero temperatures for over a week. After a lot of bouncing back and forth from CET to JL ( CET) the company that does their repairs. I told them that I was getting my own plumber to fix the problem. This took me a few hours and the plumber is coming today. JL have agreed to reimburse the cost. So overall my first experience with JL insurance hasn't been a good one.