John Lewis Home Insurance, an absolute dishonest establishment. They have a clear mind set and intent not to repay or avoid claims at any cost. That is their set motive as I have experienced in making my first claim. Their policy wordings are deceptive and tricky. In one section it would state that you are covered and yet, you are not. Simply dodgy. They, as stated are "prepared* NOT to accept your claim. I would never stay with JL after this. Their premiums are high and one would expect quality service from them, but unfortunately its the worst I've ever seen. I regret being with them.