I cancelled my policy with John Lewis Home Insurance which was due for renewal 1st May. If you compare the policy wording between John Lewis Home Insurance:https://www.johnlewisfinance.com/content/dam/jlf/insurance/home/pdfs/john-lewis-plus-home-insurance-policy-wording.pdf to that of say for example AXA: https://www.axa.co.uk/home-insurance/policy-details/ you will notice that AXA provides clear definitions of its groupings terminology by further elaboration in its 'What your policy does not cover section' so that you know exactly what a claim does and does not cover. By comparison, John Lewis Home Insurance policy documentation only features categories by group of what is not covered without further elaboration. This allows for a policy evil known as 'scope creep' so that when a person makes a claim the range of the terminology can be defined at point-of-claim to include what RSA deems fit to include. When I made a claim and they blew it out based on their point-of-claim definition I explained that their interpretation wasn't quite the same as a definition that had been debated in a famous case in English Law where a respected judge provided the scope of the definition. Nevertheless, when I disputed the claim I was merely told by inference in the reply that if I didn't like the refusal I could decide not to continue with the policy and that their were plenty of things the policy did cover (as long as you can prove it). When I complained to a manager (a tortuous route to get hold of one) about the agent's inappropriate tone in the letter they sided with the agent on the crucial point of the claim refusal. When I eventually managed to state my points from a legal perspective the manager did say that they would discuss some aspects of the agent's response with the agent and would get back to me about the legal points I raised. I took about 4 weeks to speak to manager after making my claim and I never did hear back from the manager. Based on my experience with other home insurance companies that I've held policies with and also the fact that I possess City&Guilds qualifications in Customer Service & Customer Support this rates as my worst experience with any home insurance company and having run businesses, I would never treat anyone in the manner in which I was related. John Lewis are only answering the phone and sending out the sloppily put together policy documentation and the FCA described them as an 'agent' for RSA. What's more I found the same policy for £10 cheaper so in this case the 'middle man' is an expensive one. If you shop on a price comparison website for a cheaper deal please check the policy underwriter first if you don't want RSA again as RSA have their finger in a lot of pies. When I rang up to cancel and the John Lewis agent asked for a cancellation reason so that he could pass the comment on the the underwriters I told him that it wouldn't even be worth me entering into conversation about my experience as trying to deal with them before was less than ideal.