Bad is an understatement there are no word that l can use l chose premier insurance believing it to be a better option my experiance with claiming what a con you believe the name of john.lewis to be second to non when we made the initial claim everyone we spoke to agreed it was covered under accidetal damage and then tried to claim it eas down to home maintenance or wear and tear l challenged this and they continued to agree there previous statements at times it appears the left hand does not know what the other is doing so l made several complaint which they have 8 weeks at the same time l.contacted the finacial ombusman who agreed to take up my complaint its still not resolved to this day this has been.going on since feb 2017 l.would not recommend j/l to anyone they use evey oppertunity to get out of doing anything and use the cheapest option available there way or no way they make abscene claim they take your money by making false statements am l angry with them yes very very much so l.like to ask a question if more damage has accured due to there proven negligence do they have ti make good this damage or is this yet another claim l stongly suggest u thing twice taking any insurance withs company just one other point if your claim/claims go beyond the value of £3000 expect more problems dont be affraid to challenge them.take down.there names date and times also complain they duty bound by law to investigate they have a maximjm.of 8 weeks to do so if not satisfied upgrade it to the ombusman the more that so this maybe something good will come from