From the beginning John Lewis insurance has been incompetent and clueless. When I first had an accident the most important thing was to speak to someone, get the car recovered etc. I was on hold for 45 minutes waiting to speak to someone whilst stuck on the side of a main road. To get anything done involves being transferred between several different companies all of whom manage different aspects of the policy and no one is around to co-ordinate the different companies. If you thought that buying a John Lewis product would get you a better level of service and re-assurance think again. Incompetent, bureaucratic and a complete nightmare, the one thing you want a car insurance company to do well is sort you out when things do go wrong not leave you hanging on the end of the line. The insurance broker (Covea) representative even told me that they didn't bother answering calls from the John Lewis line as they weren't so important!!